BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
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:
XXXX XXXX XXXX XXXX {$74.00} owe the account show open XX/XX/21 Account Number XXXX  This account is a fraudulent account that EXPERIAN Reporting. 

XXXX XXXX XXXX # XXXX this account reporting {$360.00} FRAUDULENT amount which Experian has a POLICE REPORT on FIle with this Fraudulent amount of {$360.00} Police Report Number XXXX. 

XXXX XXXX XXXX # XXXX The Original Creditor XXXX XXXX XXXX Experian keep Changing the Creditor every time I dispute it also under the name XXXX XXXX XXXX XXXX XXXX WAY Is The Original Creditor For This Account I have send EXPERIAN Proof of the court Order Dismiss by License California Judge court ordered Dismissal. EXPERIAN REFUSE TO REMOVE IT.

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 2023-06-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, Experian and 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 2018-08-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took care of all debt by signing off with a debt consolidation place in XXXX, XXXX I signed a paper given up my rights of responsibility to contact creditors. There is two accounts for XXXX XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX  XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX {$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$920.00} 12 ) XXXX XXXX  {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A lot consumers depend on face to face transactions with their local bank. Unfortunately, some of us have limited time to perform these banking transactions given family and work responsibilities. The Bank of America at XXXX XXXX XXXX in XXXX, NC makes it extremely difficult for customers to deposit or withdraw funds with a teller. This bank branch is significantly under-staffed with just one teller. As a result, customers either i ) waste time in one of two drive through lanes that are no longer open or ii ) wait in line for a single teller inside the bank. This is extremely frustrating for customers that only have an hour for lunch or limited time on Saturday mornings to make transactions. The manager at this local branch ( XXXX XXXX ) was extremely condescending when I brought these concerns to his attention. He had no empathy for my concerns. He made no attempt to apologize for the poor customer service. He attempted to embarrass me by refusing to process my transaction. I was asked to leave this bank branch. This is not acceptable and could have been avoided if Bank of America had adequate staffing for this bank branch. It seems like these banking institutions are constantly asking for more sacrifices from customers in an effort to increase profits. Arrogant and incompetent employees like XXXX XXXX ( XXXX ) XXXX should be more sensitive to customer concerns. The inadequate staffing essentially nullifies access to important banking services. The time waiting for a teller at Bank of America makes customers feel like they are in line for XXXX XXXX tickets. Unfortunately, there is no 'satisfaction ' consistently spending 40 minutes waiting in line to conduct a simple transaction. The bank needs to apologize for being inconsiderate and wasting the time of customers. The bank should value our business and treat customers with respect. Bankrupting America should not be allowed to intimidate customers who raise valid concerns about the company 's hostility towards customer service. Mr. XXXX XXXX is one tree short of a hammock if he thinks consistently having one teller is an adequate staffing level for such a busy location of a national 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 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuing calls many consecutive days on weekends in early XXXX  I have mention to the debt collector my health concern and took down their name and number but they called me today again in the 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 2018-04-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful

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 2019-05-25
Company: JPMORGAN CHASE & CO.
State: DC
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:
On XX/XX/2019 I received a notification from XXXX XXXX that according to my XXXX credit report someone added me as an authorized user to their JPMCB CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with JP Morgan Chase ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with XXXX but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. 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 2019-05-25
Company: Earnest Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loan with Earnest on XX/XX/2019. The first issue I had was that they over paid my previous lender and immediately starting charging interest on that principal, even though it stated in the documents that I am to continue making payments with my original servicer ( obviously ) and that if my actual payoff balance was different than I originally claimed in the application, that it would be adjusted properly. Earnest did not adjust the loan origination amount. Secondly, I received my first statement on XX/XX/2019 and immediately arranged auto-pay through the Earnest website. I elected for bi-weekly payments, every other thursday, to start on XX/XX/2019. The first payment on XX/XX/XXXX came out promptly and without issue. However, the payment on XX/XX/XXXX did not process. I noticed over the weekend and called them on XX/XX/XXXX to find out why. They stated it was a newly realized problem that hadn't yet been solved. I asked them if they had any intention of notifying me that there was a problem and they said they were still trying to identify everyone who was being affected. The rep then told me it appeared to only be an issue with the second bi-weekly payment and that the first bi-weekly payment of the cycle was processing with no issue. They offered to process my payment same day and make it effective on XX/XX/XXXX and that the interest would be recalculated. Now, the XXXX   of XXXX  rolls around and my payment does not process for that date either. Their website  states that I am enrolled in bi-weekly auto-pay. My billing statement states on page 1 that I am enrolled in bi-weekly auto-pay. Additionally, I elected for the overpayment billing instruction to bill me for my full monthly payment regardless of how much I pay throughout the month. I have yet to receive any communication via email or snail-mail that there is an issue processing auto-payments and I am horrified to think about how many people they are charging interest to for unpaid principal when they have a payment agreement already in place. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2018-06-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian and XXXX show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several 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 2019-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX XXXX.DOB XX/XX/XXXX, SS XXXX my address is XXXX XXXX XX/XX/XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XX/XX/XXXXXXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: PA
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 called in XXXX to report inaccuracy with the following : XXXX XXXX Inquiry in XX/XX/2022, which i did not apply for. 

XXXX XXXX XXXX Inquiry, on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: NY
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:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 


MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/2016 2016

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 2017-12-14
Company: Experian Information Solutions Inc.
State: KY
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:
Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2019-10-08
Company: EQUIFAX, INC.
State: MD
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 been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: NE
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:
On XX/XX/2018 I called m credit card company to complain about 2 {$8.00} charges that appeared on my account that had not been authorized by me. On XX/XX/2018 my credit card responded acknowledging the error and crediting my account for the charges. Everything seems to have been worked out except that on XX/XX/2018, when my payment was due I did not make a payment because # 1 the balance was {$8.00} which was the disputed amount, # 2 the account had been credited for the disputed amounts ( total {$17.00} ) and # 3 there were no other charges on the account during that billing cycle. The credit card company has charged me a late payment fee equal to the balance shown in the statement ( {$8.00} ) event though the charges were reversed and their own policy states that disputed amounts are not subject to interest or penalties if it is determined that the disputed amount was in error. I contacted the credit card company and even though they claim that are going to credit my account for the late fee my account still is marked as being delinquent when there is no balance due.

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 2023-01-25
Company: EQUIFAX, 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 reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation