BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and 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 explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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:
I have disputed XXXX XXXX  several times with the credit Bureaus due to inaccurate information showing on my credit reports. Experian continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Experian is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported. 

Previously Experian stated that they submitted my dispute to XXXX XXXX and XXXX XXXX verfied the information as accurate, however Experian is the company that is reporting the inaccuracies and it is their duty to complete a full investigation. Forwarding my dispute to another company is not equivalent to an investigation.

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 2019-06-01
Company: Credit Karma, LLC
State: WA
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 two inquiry that are posted from XXXX XXXX XXXX and a bank that is not from me can you please remove them or investigate the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Innovis
State: MI
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2019-03-16
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emailed the XXXX / XXXX XXXX XXXX XXXX XXXX through their online contact system to inquire as to why they continually underreport my loan payments and qualified non-profit employment for XXXX XXXX XXXX XXXX ( XXXX ) program. Was told they would reply in 70-90 days - never heard back and it is now XX/XX/XXXX. The XXXX continues to say that they've received my request, but never gets back to me to request documents or even say what the status of my XXXX program is. 

Here is the contents of the email ( sent twice ) : I sent the below info to you a week ago and have not heard back. When will you contact me back? This problem has been outstanding for over a year and I need assurances that this will be fixed. Please email me back, or at minimum, acknowledge that you received this communication. It's like sending something into a black hole! 
-- -- My XXXX number of qualifying payments are not calculated correctly. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49  qualifying payments. 
Employer XXXX, Employment Date XXXX you list XXXX qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence  XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments.

Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer FXXXX Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 67 qualifying payments. 
Employer XXXXr, Employment Date XXXX you list 2 qualifying payments when it should be 42. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

I have the statements from the loan payment programs to support this claim. What is the best way to provide this info to you and get my account updated? I have requested this be done every year, and every year the info is grossly incorrect. Please advise as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I returned some items that I purchased but the merchant didnt return my money its been going on a month so I dispute the transactions along with proof that the merchant has received the items but yet my money wasnt returned back to my chime account after I disputed the transaction my account was close for what every reason along with money still being in my account the bank is still refusing to release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as Ford Motor Credit first and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were XXXX XXXX XXXX on behalf of Ford. They constantly call and harass me at work and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2021-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX  XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX  XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by XXXX XXXX illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.

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 2017-09-14
Company: Experian Information Solutions Inc.
State: MS
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:
EXPERIAN AND XXXX  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM EXPERIAN ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX (XXXX) XXXX   THE COMPANIES FROM XXXX  ARE:

XXXX
Inquiry from XX/XX/XXXX
+
XXXX XXXX Inquiry from XX/XX/XXXX
+
XXXX XXXX Info
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank

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 2020-05-26
Company: Experian Information Solutions Inc.
State: CA
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:
Submitted a detailed complaint regarding an employee interaction and a breach and manipulation of my credit report & info. with CFPB and the response from experian was an evasion tactic that a CFPB supervisor explained they had been " seeing a lot lately '' and that it was their " newest trick '' to shut down consumers and complaints. 

What he was referring to was Experian basically pretending/saying that they would not investigate my issues because they did not believe i was the one who had made the complaint and so " for my protection '' they were dismissing/not acting on m complaint. I am going to forward the prior and this complaint to the district attorney 's office and the FTC so please be as thorough as possible and get NAMES etc. of any contact regarding this. 
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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. TransUnion has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

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 2020-05-26
Company: John C. Heath, Attorney at Law, PLLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On Sunday XX/XX/20 I was searching for a new credit card offers online. Out of no where there was a pop up by this company Lexington Law and they made it seem promising and fact my credit score would be better and they would help repair and remove any  negative stuff on my credit report. They sold me I was stupid and should never trust this pop up site they demanded for my full social security number and my address my name my email my phone number and yet they demanded a payment set up process they pre authorize money from my bank debit card amount {$14.00} and they got my card number. So I was trying to reach them I called them XXXX turn out it was a bogus line it appear I can text them here so text them asking for help log in no responses and yet they have a system I can reset my log in I click it they stated go to my email and follow the direction of reset log in I am now confused I got no email or any help from this co and yet they have my social security number and call them spoke with XXXX and he never help me and refused give me my email or log in info and yet I paid for a service that they never promised or provided the service and yet they want me to wait for a supervisor call me I never request for one and I want an answer now and yet they phishing my information stated I have an account with them prior XX/XX/20 they made it sound like I am already I customer I have no clue I just signing up for service on XX/XX/20 unless Lexington law sign and allow someone elses uses my info and to steal my credits information with out my permission and I now fear this company has allow someone elses sign up their service prior me joint the service on XX/XX/20 this is a concern I immediately asked XXXX cancel my service and refund my money he refused and yet forcing me speak with his supervisor and want to scam and call me I said no way. And yet paid for a service and no service and no help and yet fear they scam me and also they made it song like I already had their service prior XX/XX/20 I have no account set up prior XX/XX/20 and they took my money left me without any help and yet the guy name XXXX said his company been in business for 20 years + and yet they violated my rights all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 Internal Revenue had put {$1200.00} into my bank account on XX/XX/XXXX American Express Bank close my account due to a transaction that I did not authorize the amount of that transaction is {$39.00} from nat score. On XX/XX/XXXX at XXXX XXXX. in the morning I contact the American Express and told them about the incident from there on I was put on the phone with representative who told me to wait until Friday and they will have a response to whether my account would be unlocked or will will be remain locked it is now XX/XX/2020 and every time I call them I get the same response to give them one to two business days it's going to be almost 2 weeks and still my funds are in the bank and they would not release them to me. I have read online where this have recently happened to someone in California will they shut down her bank account the day after her taxes was put into her bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened a Coinbase account on XX/XX/2021. I bought XXXX the first day. On XX/XX/2021, I purchased more XXXX and also bought Bitcoin. I bought a total of 6 XXXX and approximately XXXX XXXX. My {$3800.00} XXXX transaction went through at XXXX XXXX XXXX time. The platform experienced massive problems on the XXXX and when I checked my account at XXXX XXXX XXXX time, I saw a duplicate and unauthorized transaction for {$3800.00} in XXXX, bringing the total amount of money invested in cryptocurrency to {$18000.00}. I thought my account had been hacked and disabled it and contacted customer service for an unauthorized transaction. Since then I have been unable to log on to my account. I receive a your account is temporarily disabled message. I also contacted customer service on XX/XX/XXXX and have not heard anything since then. And am still locked out of accessing my hard-earned money. I would like to regain access to my account so I can move it out of their exchange. 

Note : since I'm locked out o my account, I am unable to take a picture of the transactions on Coinbase 's platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Capital one has a hard pull on my credit score i never approved i closed out a capital one card i had 6 months ago i never applied for another car Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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