BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Experian Information Solutions 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2022-09-24
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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  services Account # XXXX, XXXX XXXX XXXX XXXX XXXX*, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-aging account is a very serious violation in reporting by Equifax. I have provided proof documentation directly from the credit report circled and highlighted for the CFPB review. I have listed the multiple violations of the FCRA below for the CFPB review.

(

1 ) Violation of the FCRA illegal Re-aging account. ( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. ( 3 ) Violation of the FCRA inconsistent reporting by Equifax with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am still trying to figure out what happened as nobody at the hospital I spoke to would give me any information. I noticed a new account in collections on my credit report on XX/XX/XXXX from Wakefield & Associates collection agency for {$820.00}. They received the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no knowledge of this account until my credit monitoring sent me an alert. The only time I used XXXX XXXX XXXX was back in XXXX and paid that in full years ago. The current account in collections, which I do not have the acct #, was put into collections in XX/XX/XXXX from services on XX/XX/XXXX according to someone I spoke with from the collection agency. The account is not mine. I did not receive any treatment from XXXX XXXX XXXX in XX/XX/XXXX or any other time besides in XXXX. I believe someone is committing identity fraud with my social security number and XXXX XXXX XXXX did not take the necessary steps to prevent this. I requested a written explanation of the account via fax to XXXX XXXX XXXX and Wakefield and Associates collection agency. I also filed FTC report # XXXX and disputed this with each of the three credit reporting firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
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 belongs to someone else

Complaint:
{$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/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 2020-09-06
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX will not remove this false statement of XXXX. XX/XX/2016. I was with XXXX at the time and I asked XXXX for a quote and I never accepted their insurance so they billed me for the quote. I want this removed imediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Every month stemming back from XX/XX/XXXX through XX/XX/XXXX, I have called to report that the account information, specifically late payments reported during these month, are inaccurate and in violation of the CARES Act and US Fair Credit Act. Additionally, the account status is also being reported incorrectly as closed. These multiple accounts are open and in repayment program.

My credit has dropped almost 200 points. I was told by serval supervisors at US Dept of Ed that they are aware of the problem and that I am on a list yet the problem remains. I have exhausted the dispute option. I am no longer able to dispute with credit bureaus as I have filed the same dispute multiple times with all three credit bureaus ( XXXX, Experian and XXXX ). Every month, US Dept of Ed verifies that the late payments for XX/XX/XXXX through XXXX XXXX are accurate even though representatives confirm it is not. In XXXX, the same will happen. 

How is a US Gov't student loan able to violate US federal laws?

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 2020-01-23
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from a company that identified themselves as D2 Management. They are a debt collection company and said that they are located in XXXX South Carolina. They are calling for someone named XXXX. They are calling my work cell that I have had for over 9 months. I do not know anyone named XXXX. 
I have repeatedly told them that the number does not belong to XXXX and the debt is not mine, yet they call anyway. The last call came from XXXX on XX/XX/20 at XXXX PM but I have gotten dozens of calls for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX XX/XX/XXXX i received a call at XXXX from Capital One regarding a past due account that was currently 152 days past due. The representative said i need to make a payment in the next 3 days before the account would be closed and charged off. 
Given this information {$400.00} payment was made. I reached out to capital one on XX/XX/XXXX regarding the account still being " restricted ''. I was able to speak to XXXX - Senior account Manager. ( Employee ID : XXXX ) who advised me the account has been closed since XX/XX/XXXX. Capitol One Representative lied about the account to get a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
Someone hacked my amazon account, and used my chase XXXX card to buy {$360.00} worth of stuff from amazon. I didnt even have the card anymore it was cut up. I had just forgot it was still stored on my amazon account. I reported the charges as soon as I received the bill. They did an investigation and said it looks like I ordered the stuff so I was responsible for the charges. I filed a police report, they discovered it was not me. But they couldnt prove who it was so Chase is still saying Im responsible for it. I dont know what else I can do, its hurting my credit score. I have been dealt with this since XX/XX/2019. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 2019-03-02
Company: CITIBANK, N.A.
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:
Citibank Best Buy - I spoke to someone on XX/XX/2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why Citibank filed a derogatory mark under my credit report with XXXX. I called Citibank about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my 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 2021-11-11
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: Information belongs to someone else

Complaint:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

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 2020-07-16
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: Account status incorrect

Complaint:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Specialized Loan Servicing Holdings LLC
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:
I have been trying to resolve inaccurate credit reporting by Specialized Loan Servicing. They have corrected the comments on my credit reports but still show 120+ late payments for a property that I did not own during the reporting dates in XXXX and XXXX. 

I am in the process of refinancing my home loan and the late payments are affecting my loan. In the process I also found out that they filed a foreclosure on the property in late XXXX with my name and my wife 's listed on the documents. We were not the owners of this property ( See Attached Documents ). 

I have called this company on XXXX XXXX, XXXX @ XXXX, spoke to a representative who said this would be fixed XX/XX/XXXX. Called again on XXXX XXXX and XXXX. Each time put on hold for 30+ Minutes, told that I'm holding for the escalation department who never answers or told that someone will call me back. All contact ended with no results.

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 2019-03-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for and received two lines of credit from PayPal Credit, one on XX/XX/XXXX for {$470.00} promised at 0 % interest if paid off within six months, and one on XX/XX/XXXX at 0 % for 24 months of equal payments of {$57.00}. When I attempt to make a payment to PayPal Credit their system decides for me how to allocate payments and does not allow me to choose either myself or even by speaking to a customer service agent, and their system chooses to allocate payments in a way that is detrimental to me. 

For example on the billing closing date of XX/XX/XXXX I had a balance of {$710.00} on the 24 month loan and {$310.00} on the 6 month loan. I made a payment of {$150.00} on XX/XX/XXXX. Their system chose to allocate {$76.00} to the 24 month loan leaving me at {$640.00} and {$73.00} to the 6 month loan leaving me at {$240.00}. 

The only reasonable way to allocate the payments for the terms specified above would have been {$57.00} ( the minimum ) to the 24 month loan and the balance to the six. I can not do this myself, and after talking to their customer service they can not do it either. 

A further problem with this situation is I can determine no pattern whatsoever to the allocation logic, NOR CAN THEIR CUSTOMER SERVICE AGENTS. This means NO ONE can tell me how how much to pay to lower the balance on the 6 month loan to XXXX before the promotional period expires and I am subject to interest payments AND I am forced to pay more than the 24 payment minimum promotion offered on the other loan. 

I have already attempted to resolve this with paypal over at least 4 separate phone calls to no avail. 

Please help

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 2020-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello Guys. I'm glad I was able to find you. XXXX, Equifax, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : -- XXXX & XXXX AND XX/XX/2019 FOR 30 DAYS LATE??? -- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

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