BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-11
Company: EQUIFAX, 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:
there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters to all three credit bureaus Experian, XXXX, and XXXX. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.

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 2022-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. 

Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! 

If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! 

Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently filed a complaint against Chase for closing my credit card which they responded back that they did based on a recent credit report pole however I just looked at my Chase credit report and they reported it as a settled account which is inaccurate. So not only did they close my paid off account they are now reporting it as if I settled it and paid less than the actual balance which is not true. I paid that card off in full with no settlement ajnd I would never have wanted it closed as it was a long-standing credit card with Chase This has not only hurt my credit report for the closure but now it is showing as a settlement and Chase is reporting this wrong. This is false information and Minimally I would like it fixed on my credit report But ideal situation would be for them to reopen my card as I was current on the card and had just paid it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
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:
XX/XX/2020 a fraud claim was opened on my Citi bank home depot card. I requested items on my account should be reviewed. Instead Citi bank home depot closed my card. Citi bank added a late charge payment on my account. The late payment is reporting to my credit report as a 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 2023-07-04
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During year XXXX I loaned funds from my personal account at San Diego County Credit Union, XXXX XXXX to a close personal friend ( app {$26000.00} ). I can not currently access my account to provide exact dates/amounts. I was reimbursed in full XX/XX/XXXX and funds deposited in my SDCCU savings account. XX/XX/XXXX I went to SDCCU to withdraw funds from my account and was referred to XXXX XXXX XXXX, Asst. Branch Mgr., who proceeded to question, harass, embarrass, humiliate me & ultimately denied my cash withdrawal request. Her apparent authoritarian conclusion was that I was incapable of handling my own financial affairs ; further evidenced by a referral to XXXX XXXX Department of Public Social Services. Representative at my door XX/XX/XXXX XXXX AM was courteously sent away by me. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me an investigation with SDCCU Fraud Investigations Dept. was initiated. The letter provided a case #, an email account, telephone # to contact the Fraud Investigations Dept. and no other details. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me the investigation had concluded with same email, telephone # and no other details. Unable to access my acct I had contacted my attorney who advised me to send an email informing SDCCU & XXXX XXXX of our intent to file complaints with the Better Business Bureau & the Consumer Financial Protection Bureau followed by a lawsuit citing harassment, discrimination, interference in my personal financial affairs & illegally holding personal funds XXXX which I had done on XX/XX/XXXX. Sent 2 additional emails asking for information ( XX/XX/XXXX & XX/XX/XXXX ). No response to date from SDCCU. In conclusion, I am still unable to access my account. SDCCU blocking access with no communication or explanation why. I need to file XXXX taxes but am unable to access pertinent tax forms relative to my SDCCU acct. SDCCU incompetence is impacting my financial affairs including my standing with the Federal & State govts. I need a resolution NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX Has Listed 39 Opened Accounts. FALSE. 

XXXX Does Not Indicate That I, The Customer, CLOSED My XXXX  Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: U.S. BANCORP
State: DE
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:
Unauthorized hard inquiry made by US Bank on my credit today ( XX/XX/21 ). I did not in any way solicit, inquire or communicate with anyone related to this and only learned about it when I received an alert about a hard hit on my credit. I am on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: SinglePoint GI
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in the collection accounts ( GENERAL REV XXXX Date Opened : XX/XX/2021 Balance : {$800.00} ) This unverified account is still reporting on my credit report in violation of Federal Law. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau are legally allowed to report this on my credit report. If unable to, remove the accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-13
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried to explain to these people this isn't my debt, but they keep sending me collection letters. The last one was on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a divorced Massachusetts XXXX XXXX ( XXXX XXXX XXXX ) of 13 years and my ex- husband has also worked for 13 years in a XXXX XXXX XXXX XXXX XXXX When we got married in XXXX, we consolidated our loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( Navi-Refi ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. In XXXX of XXXX congress enacted the federal Joint Consolidated Loan Separation Act. That now allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply 26 years of qualifying publi service and have the loans discharged through PSLF. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
In XX/XX/2019 I purchased a MoneyGram for {$260.00} to pay my car loan to XXXX XXXX XXXX XXXX. XXXX XXXX never received the Payment. They did an exhaustive search and could not find it. I then went back to MoneyGram to find out what happened to the Money Order. They sent me a copy of the Paid Money Order and said they paid XXXX XXXX. I went to XXXX XXXX to recover the money and they said they could not help me. I then filed a complaint with CFPB against XXXX XXXX and they responded with a letter that they could not help me, I need to contact MoneyGram to help me. I had done that already and they told me to go after XXXX XXXX. I am attaching all my correspondence that I sent to CFPB with my complaint against XXXX XXXX plus my Complaint against XXXX XXXX and XXXX XXXX Response Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Google Compare Credit Cards Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Date : XX/XX/2020 Amount : {$500.00} XXXX play & {$1200.00} XXXX Action : I tried reaching out to both companies but no help. 

Someone acted as if they were one of my managers and emailed my work email from a personal email. It's not out of the ordinary for one of my managers to have us pick up something or drop off something somewhere. So the person ( acting as if he was one of my managers ) asked for my cell phone number and told me to pick up gift cards for clients. He mentioned that he was on a conference call. ( sidenote : a few of our clients are coming into our office next week which made it more believable. ) My manager wasn't in the office for me to ask him personally so all of our messages were via text. He told me to urgently pay for gift cards for clients and scratch the back off and take a picture of it. The sad part is, this is something my manager would actually do. He would rush us to complete something. I guess the only difference is that my manager would have provided with his company card. But since he wasn't here, he claimed to reimburse me. Then after he rushed me to make different purchases with gift cards, I discovered it was a scam after scratch the gift card backs and sending the scammer a picture and talking to my coworker about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Letter sent and responded to XXXX XXXX XXXX XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: NC
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 authorize inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute to lexis nexis by phone in XXXX of 2021 about a chapter XXXX bankruptcy that is reporting on my credit file that does not belong to me. The company claimed to have investigated my dispute and stated that the information was verified by the furnisher. After receiving their response, I reached out to the court that the information was supposedly verified by. The court stated that they could not find a record of such which matched my full name, social security number, date of birth, or address. The court also stated that they did not furnish nor verify ANY records to ANY credit reporting agencies or data reporting agencies. The problem with this public record is that it is not mine and is falsely reporting as being furnished by the recorder of deeds, the clerk of the court, or the municipal court which is not only false but also a direct violation of the fair credit reporting act. I want this record removed immediately from ALL sources

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing.

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 2023-07-03
Company: ENCORE CAPITAL GROUP 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: Problem with personal statement of dispute

Complaint:
I did not give XXXX XXXXXXXX XXXX  permission to share or sell my information with a third party company.

Company response to consumer: Closed with non-monetary relief