BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
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:
Please make sure that all aspects of this account are reported 100 percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instan

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 2022-09-03
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: PA
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, my name is XXXX. I am not going through a third party to report this. I am writing to delete the following information in my file. These items are causing me to not be able to build my credit, as well as not allowing me to buy a house. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all 3 credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should 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 explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

privacy and consent 15 USC 1681 section 604 A section 2 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.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: ME
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 have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXXXXXX XXXX  XXXX account number XXXX. Delinquent 2. Amex  : account number XXXX. Delinquent 3. XXXX XXXXXXXX XXXX : no account number shown on the credit report 4. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Was not notified of investigation status or results

Complaint:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2022-09-02
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit act Experian XXXX XXXX has violated my rights. The following address needs to be removed from my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit act XXXX Equifax XXXX has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There were two payments that were made through XXXX in my banking account ( {$350.00} and {$150.00} ) for a product on XXXX XXXXXX/XX/XXXX, which ended being a scam in the end. I have tried talking to the Chase bank about this but I was told that there was nothing that they could do to help me or assist in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One=Quick Silver Credit card. On XX/XX/XXXX someone took {$150.00} from my checking account without my consent. I notified Capital One by phone of the problem and my account being overdrawn and a dispute was filed out. I was told my payment not due till the XX/XX/XXXX. XX/XX/XXXX went to bank and they notified Capital One my account problem and to rerun my personal check they would honor it. XX/XX/XXXX my checking account was refunded the {$150.00}. Credit One charged me {$30.00} for non-sufficient funds as well as a {$25.00} past due fee for XX/XX/XXXX.  In XX/XX/XXXX they charged me another {$35.00} for past due fee ( makes no sense my checks are mailed at the post office on the XX/XX/XXXX of every month when I get my SSI XXXX check ). Payment wasn't posted until the XX/XX/XXXX. Again in XX/XX/XXXX they did the exact same thing waited a day after due date to post my payment. Another {$35.00} fees charged. In XX/XX/XXXX again the same thing. In XX/XX/XXXX I called and spoke to a representative complaining about my bill. She wanted to sign me up for a Specialty Assistance Program. Told her I just wanted my bill current and to stop waiting 1 day past my due date to pay my bill and charging me late fees. What do I owe and I'll send a check in the mail. She said with the NSF and three late fees taken from my bill my balance is {$200.00}. I told her I would send a check XX/XX/XXXX for that amount and mark Paid In Full in Memo. She said make sure I put the last 4 digits of my account number on as well. On XX/XX/XXXX I sent them a letter to terminate my credit card. Amazing that check was ran as an Electronic Check Conversion for the {$200.00}. Get a email from them saying my monthly bill is ready to view. I open it and it says I still owe over {$150.00}. Call my bank XX/XX/XXXX she gives me the transfer code and reference number. They have my cancelled check. Hence, they also receive the paper showing indeed my account did come out to the {$200.00} as per the woman suggested the pay off amount was for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-19
Company: Riverwalk Financial Corporation
State: MO
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:
XXXX XXXX XXXX. XXXX Texas, is trying to collect money from me that is fraudulent. Opened no new accounts in XX/XX/2018. They say I owe XXXX but I have receive any letters or phone calls from this company telling what this false debt is about. It is currently on my credit rating. Liars. How can they do that with no proof or documentation? Guilty until I prove myself innocent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX, annual fee of {$95.00} was charged on my capital one venture card. I owe {$0.00} dollar other than the annual fee charge. I called on XX/XX/XXXX to ask for cancellation of the card and the fee. The company would not do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please delete the XXXX XXXX Accounts ending in XXXX and XXXX from my consumer report. I am choosing to opt out of further reporting as this account is private and nonpublic information that should not be reporting to non-affiliated third-party agencies pursuant to 15 USC 6802 . In addition, pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit shall be EXCLUDED from a consumer report.

The Gram Leach Bliley Act states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2018-05-19
Company: WELLS FARGO & COMPANY
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:
Wells Fargo dealer services is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: WI
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 contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
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: Old information reappears or never goes away

Complaint:
I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly m

y report is 4 pages. I wasnt able to get my Experian report. 

I also did not receive monetary damages from the class action suit against Experian for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.

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 2021-04-08
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I used my City National Bank ( CNB ) award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. 

I never received the my order. In my previous complaints, CNB was not able to provide my signature for the gift cards delivery to proven the package was delivered to me. 

CNB asked me to contact with XXXX for the gift cards stolen or lost. I have ordered the gift cards from CNB, not from XXXX. The gift cards were ordered by CNB from XXXX. XXXXNB didn't provide the gift cards full information, include 16 digits card number and Security code to me. It is not possible to submit a complaint to XXXX without the card information. 

Actually, I didn't have any relationship with XXXX for this gift cards order, so CNB has the full responsible for the gift cards stolen or lost. 

As a consumer and victim of this case, I am looking for CFPB to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Resolve Partners, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been calling Resolve Partners for 4 months now have left messages trying to settle my debt with this company. I called XXXX XXXX and finally got someone on the phone they stated that I would have to call back. Monday that the payment department would be open Monday at XXXX I called the XXXX XXXX and got no answer. So I left voice message as Ive done for the past 4 months and still haven't got a returned phone call. Also called the XXXX and its going to XXXX voicemail which is stating it is full to where you can no longer leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of Equifax Security Breach. I filed my claim on XX/XX/2019. I have also contacted the administrator of the settlement as instructed with no response as to where my settlement is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.

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