BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-17
Company: U.S. BANCORP
State: TX
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:
Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
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: Information belongs to someone else

Complaint:
This collection account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) is fraudulent and absolutely should not be on my credit report. It has the wrong address and my identity was stolen. I have contacted the FTC and the police about this. This collection must be removed from my credit report immediately.

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 2020-04-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i had citi card cbna inquire on XX/XX/2018!! 
i didnt apply for any citi card at this time!! 

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 2019-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this collection for the past couple months. Experian has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.

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 2018-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been a loyal card member of Capital One. I recently in XX/XX/XXXXreestablished an account with Capital One. I have an old account from XX/XX/XXXX. Back then I had lost my job and failed my financial obligations therefore Capital One made a mutual decision to close my account. Back then I did n't realize how important credit was but I do now. Capital One is my oldest account & there are several inaccuaries reporting on all 3 major Credit Reporting Agencies ( XXXX, XXXX, & XXXX ) First, on all 3 Credit Bureaus it shows the same account # ( XXXX ) Next, we will get to the route case of this Email ( Payment History ) As you know Payment History makes up for 35 % of a Consumer 's Fico Score & without that Information its is inaccurate A brief look at my account will reveal I have successfully made on time payments since establishing the account. 

Let 's start with the most recent Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Does n't show XX/XX/XXXX Current Payment Status ) XXXX ( No XX/XX/XXXX Current Payment Status ) Transunion ( No XXXX Payment nor is is reporting XX/XX/XXXX Payment ) Finally let 's discuss Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Paid as Agreed but no 24 Month Payment History ) XXXX ( 24-Month Payment History starts XX/XX/XXXX until XX/XX/XXXX its missing prior to XX/XX/XXXX as well as XX/XX/XXXX Current Payment Status ) XXXX ( Missing XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as well as after XX/XX/XXXX Current Payment Status ) For the older account they both are Revolving so without that Information is in inaccurate. 

I do n't need to let you know that without updated this Information you are not in compliance violating my FCRA 609, 611, & 623 Consumer Rights. Please update this within 30 Days. The next step will be to followsuit with the BBB & my Attorney General 's Office which entitles me to {$1000.00} per Violation I sincerely hope Kohl 's believes in their customers and I humbly request to update this Information. I appreciate your time and look forward to receiving a favorable decision from you department soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Account information incorrect

Complaint:
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To Experian they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To Experian they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and Experian allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and Experian continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

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 2019-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While reviewing my XX/XX/XXXX XXXX credit card statement which is issued by Comenity Capital Bank, I observed an unauthorized charge on the amount of {$390.00} from XXXX XXXX XXXX. Since this charge was not authored by me I contacted the bank and i filed a dispute. After filing the dispute i waited about 3 weeks to find out the status of the dispute and at the time I learned that the dispute was not filed by the bank. 
On XX/XX/XXXX I filed again a dispute for the same aforementioned charge and this time the dispute was filed. Since the bank 's policy is 30 days to investigate the dispute and to give a resolution I called them back on XX/XX/XXXX to follow up on my dispute and at that time I was told that they were still investigating the dispute to call back in a couple of weeks. 
On or about XX/XX/XXXX I called the bank again to check about my account and the answer is the same, we are still investigating. 
After that called I being calling almost every 2 to 3 weeks .and the answer is still the same. 
The bank has violated their credit card agreement as their agreement clearly states that in 30 days the disputes will be resolved. It is already 8 month and the dispute is still being investigated. 
Their customer service is horrible and their negligence is affecting me financially as they have not even issued a temporary credit and the disputed amount is still my responsibility. This bank dont have any sense of urgency and they dont understand the damage they are causing me and they dont understand the legal complications that violating their credit agreement can bring to them. 

Finally, since I filed the dispute for second time I have not received information at all from the bank in writing in regards to the dispute. 

Since they are taking serious this matter I am involving for the regulatory agency to take action and to enforce their credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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:
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To Equifax it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. Equifax now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Account information incorrect

Complaint:
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to Transunion. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XXXX I recieved a settlement offer that states the balance as {$16000.00}. To Transunion they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and TransUnion and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because TransUnion and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

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 2022-02-11
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day, my name is XXXX XXXX and I have been waiting to receive my escrow account refund from Amerisave since the loan was paid off on XX/XX/21. I have been told multiple times by Amerisave personnel that the check was mailed and I should continue to wait, only to be told in later phone calls that the check was not sent due to delays. After escalating it to a supervisor I was told they would expedite the check process and even send it ups next day air due to the delay and email me tracking info.After two more weeks without any contact I called again only to be told there was no such record of my check being expedited and I should expect another 30-60 days for processing. I emailed my loan originator and he had someone named XXXX XXXX email me saying she could look into it and assist. On XX/XX/XXXX she emailed me saying the check was being sent that day and I should expect it in the next day or two. She provided a check number and amount. Two more weeks go by and I email her to check the status and she tells me to call the call center. I told her I was considering filing a complaint and she said she would try and get me an answer and then stopped responding to any emails. I called the call center again yesterday and was told the check still has not been sent and so one will get back to me. Its been a very long time waiting patiently for money that belongs to me and I feel like this company has been extremely dishonest with what Ive been told. If theyre doing it to me they are doing it to others. 
My loan number with Amerisave was XXXX The property address was XXXX XXXX XXXX XXXX CA XXXX The only thing I have received in the mail from Amerisave is the tax form 1098 where they show an escrow refund on XX/XX/XXXX for {$4400.00} however by their own staff admission, the check has still not been mailed. Please help me get my money and find out why this company is misbehaving. Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has harassed us at the phone number XXXX phone/caption call for months and months and 7 days a week 24 hours a day asking for someone who has never lived at this address and we do not know this individual and have told them this and they refuse to stop harassing us over her not repaying her college loan or that is what they are claiming. I have explained that my mom is almost XXXX XXXX and with hearing impairment and I have had XXXX XXXX but they say they will stop calling us and take our number off their list but do stop this continued harrassment and continue to call all hours and wake us up at night and continue to demand to speak to an individual whom we do not know, some refuse to stop calling us. This is totally unprofessional and is harassment. We do not owe any student loans nor do we know the person they continue to call and harass us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Noticed fraudulent inquires on my XXXX, Transunion, and XXXX reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, TransUnion Inquiries 1. XXXX 2. XXXX 3, XXXX 4 XXXX XXXX Inquiries 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX XXXX 10. XXXX XXXX   11. XXXX 12. XXXX XXXX XXXX XXXX Inquires 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX 7.  XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting multiple calls daily on 1 missed payment on my care credit from synchony bank. I understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds. I normally won't complain but at this point they are calling my cell phone during work hours and later in the evening. I tend to work a really early shift and go to bed early and this is starting to affect my work schedule. It is unacceptable for the daily calls. On top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts.

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 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
fraud inquiries not authorized from XXXX XXXX DATED XX/XX/19 AND XX/XX/2019 from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 TWICE from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019 all need to be remmoved from credit file

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