BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: EQUIFAX, 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 put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone opened a savings account using my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the 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 2020-09-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Two years ago, I changed my name and I updated all the credit bureau of the name change. I do not have problems with other credit bureaus except Experian. I did not suspect any problem with my Experian credit file until about 3 months ago ( XX/XX/2020 ), when my apartment lease was coming to an end and I needed to secure a new apartment. I attempted to apply for a new apartment, however, I was told by the apartment community that there was a lock on my Experian credit file and I needed to contact Experian to resolve the issue. I had to contact Experian a couple of times because the apartment insisted they couldnt run my credit even after the reps at Experian had told me there was no lock on the credit file. I became frustrated and then tried a different apartment, I was told the same thing as the first apartment. My rental application was rejected by more than 4 apartment communities because they could not run my Experian Credit report. Then I tried to run my Experian credit myself, and I realized there was a lock on my file.

I called Experian again and demanded to talk to a manager. The manager told me I had to send all my name change documents again because their system had my SSN under two different names- ( This was as a result of my name change ) she told me to call back in about 5 business days, I did as instructed and called back to get an update, they acknowledged the receipts of my documents however no one had been able to rectify their system issue even as I  type this on XXXX XX/XX/2020. I have called several times, no one has taken responsibility for the problem, I get bounced around to different departments and at the end, get hung up on. Most times, I spend over an hour on the phone with no viable solution.

Right now, I can not get an apartment ( I am practically homeless ) neither can I get credit from lenders. I am also currently on the job market for a new employment opportunity and my fear is that I may possibly lose a job offer because of a prospective employer 's inability to run my credit for background check. I have attempted to involve a legal shield lawyer, but he doesnt seem to be making any headway. I am unsure what to do or who can help me. My life is basically on hold because of Experian 's employees ' negligence of duty or lack of training. This credit lock has created so many roadblocks for me over the past 3 months and I need this resolved so that my life can go on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX ( today ) I tried to transfer money from my American PNC account to my XXXX card and it said PNC " Prevents transfer of money to different accounts ''. This is ridiculous and ive never had this problem before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: NJ
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 filed a dispute with Experian advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called experian three times with no success

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 2020-11-24
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results. report includes the following incorrect inquires. 


XXXX XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 please remove from my credit report since these inquires were not made by me

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 2023-05-11
Company: CITIBANK, N.A.
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:
CBNA, I am writing to express my disappointment and frustration regarding the recent late payment on my account. As a customer who has always been diligent in making timely payments, I was shocked to learn that I had missed a payment deadline and had incurred a late fee. 

I want to bring to your attention that I DID NOT receive any notification from your company regarding the late payment, despite the fact that I have always provided you with my updated contact information. In the emails sent regarding a payment, there is NOTHING stating that my payment is OVERDUE. It only shows WHEN the amount is due. It is my belief that as a responsible creditor, it is your obligation to notify customers of any late payments and give them an opportunity to remedy the situation before it negatively affects their credit score.

As a result of this oversight, I would like to request that you remove the late payment from my credit report. I am confident that this will not only restore my credit score, but also demonstrate your commitment to customer service and fair credit reporting.

In addition, I will be providing you with my updated contact information, including my current phone number and email address, to avoid any similar issues in the future. I hope that you will confirm these details have been updated in your records.

I hope that you will take my concerns seriously and take the necessary steps to rectify this situation. I appreciate your prompt attention to this matter and hope that we can continue our business relationship on a positive note. 

Sincerely, 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 2019-02-23
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: Investigation took more than 30 days

Complaint:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

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 2020-12-10
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I contacted Paragon Revenue Group to find out about this surprising mark that was reported to me on my Credit Reports. I spoke to XXXX who was the front person and she told me that they tried to reach me by phone calls. I never received not one message from this company. She told me the phone calls could have been marked as SPAM. Well my phone forwards ALL SPAM calls to my Voice Mail. So that is a problem from the start because I have yet to receive any messages from this organization. Then she said they sent me mail through XXXX about this but I told her I never received any mail from this company. Again, I am left in the DARK about this account. 
Next she transferred me to her manager, XXXX, and she said I should have known in XXXX that this bill was due. Well how was I suppose to know when I never received any correspondence from the company via phone calls, voicemail messages, letters, etc. 

As you can see in the attached letter to XXXX  that I was under the impression that this balance was paid off by my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and Experian in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.

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 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or about XX/XX/2020 I opened a capital one performance savings account. At the time of opening the account capital one had a promotion where if I opened the account and deposited new money then I would receive a bonus ( I think it was {$150.00} for ever $ XXXX ). The promotion was not automatically applied to my account. I then called a capital one rep and the rep advised me that : I do qualify for the promotion and that I should continue to deposit my money in the account. I was told that I should call capital one at the end of XX/XX/2020 so that another rep can manually apply the promotion funds to my account. I deposited over XXXX in new money into the account per the promotion terms. I then I called capital one on XX/XX/2020 and spoke to XXXX ( employee ID XXXX ). XXXX  told me that She sees the notes from the prior rep and said that the prior rep was wrong and I do not qualify for the promotion. I told her I fulfilled all terms and  she said I did not. I then asked her to provide me with an email or written doc as to what the terms are. She said she could not provide me with any additional information. She said that I should have gotten an email about the terms at the time of opening the account but I told her I did not and explained to her that the promotion code was not applied initially which is why the email did not go through so I dont know what she is talking about or referring to. I then asked her to read me the notes that the initial rep had placed in my account to confirm that I qualify and she said that she would not read it to me nor provide me with the promotion code that is annotated on my account and that was supposed to apply to my account. It is ridiculous that the bank is withholding information about my own account and now the bank is trying to avoid paying the promotion fee when I complied and made my desposits as required by the promotion and the initial rep. Attached is a pic of the new money deposit I made at the time the account was opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
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:
scammers and identify theft applied for an online loan in Wells Fargo. 

I request an investigation, Wells Fargo first replied it's an online application does not need a physical person 's signature in XXXX. Then Wells Fargo investigated that personally applied this load in one of their Branch.

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 2020-11-20
Company: EQUIFAX, INC.
State: NV
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:
In XX/XX/XXXX I disputed a few lates on my credit, at that time Equifax began updating my status as delinquent on a loan that closed in XXXX with a XX/XX/XXXX balance, I have tried numerous times to have them equifax fix this as it is not on either of the other credit reporting agencies and they absolutely refuse to help in anyway.. This is impeding my home buying process and I need it fixed right away and Equifax states that it is XX/XX/XXXX and XX/XX/XXXX says they have not reported on my credit since XX/XX/XXXX at which time they only reported that the account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Experian was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Experian a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information was wrong. I have yet to hear from Experian. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX  I am making a formal credit dispute for my terminated leased XXXX  XXXX  XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.

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 2020-12-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

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 2020-09-04
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Banco Popular de Puerto Rico, XXXX XXXX branch is not.paying attention to send me my Visa card since XXXX XXXX.I am very needed to receive my Visa card because is urgent to me to resolve some problems.I am calling frequently to Costumer Services numbers and they are not answering the telephones and I visited the offices and they said that they sent the card but it was returned and I confirmed that it was the correct address .but I didn't receive the Visa card yet.and I am  sure the address is correct.please help me.Thank you ( excuse my English errors because I am Spsnish speaker )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.

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