BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these account are fraud, having my false identity. They gave me XXXX letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is 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 2019-03-09
Company: AES/PHEAA
State: AZ
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 a loan with FEDLOAN and XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, FEDLOAN and XXXX XXXX XXXX, XXXX with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.

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 2023-05-22
Company: Affirm 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft. not later than 4 business days after the date of receiot. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Yes, fraudulent accounts or charges appear on my credit report. As shown on XXXX, Equifax, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a total fraudulent amount of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2019-01-13
Company: Creditrepair.com, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have tried to reach out to them and talk about what they are sending to the companies that have put my accounts to collection that wasn't my purchases. And Credit repair is sending the wrong information to these companies and is taking {$100.00} a month from me for almost a year and nothing has been done. They sent a letter to me instead of the companies, and it said sorry for my late payments, im trying to get a loan. And that is not what the issue is at all. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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:
I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: MO
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:
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, Experian, and XXXX all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX-XXXX ( XX/XX/XXXX ), ( 3 ) XXXX- XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2020-07-20
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-04-29
Company: EQUIFAX, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX XXXX2020 I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted XXXX  and transuion of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX2020. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. XXXX  sent out response. Stating the item will remain. trans Union has yet to respond. I asked for both burueas to verfiy this item.

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 2023-10-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase credit card automatically allows credit card spending to go over the credit limit. I did not sign up for this feature or did I have the ability to utilize the website or all to remove this option. Once I went over the credit limit my account was frozen because I was forced to pay off the debt to unfreeze the account. Essentially this is a marketing deception of zero APR credit cards to allow a credit limit but not allow credit limit protections so when the amount is breached that the credit card declines any purchases that go over the credit limit. Thus when I breached the credit limit that the payment was allowed but it shouldnt have allowed this thus my account was frozen and I was forced to pay debt to unfreeze the account as a conflict of zero APR period credit cards being a fraudulent marketing deception when credit limit protections do not exist on the initial purchases but deceived those that believe that the credit limit is a true limit and that another over the limit should be declined thus a marketing scam when I am forced to pay on zero APR to unfreeze the account when I could have an unfrozen account without needing to pay down any debt immediately as a credit card scam. I was told you can only call in to remove this option and that I could not do so while the account was frozen as they could not unfreeze until the debt was covered above the limit. This essentially creates a cover charge as a hidden fee to zero APR credit cards and should be illegal as a concern for hidden fees and obligation to pay debt down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed money was taken out of my bank account for associated Bank in XXXX Wisconsin. I reported it they did not stop my card within XXXX XXXX business days I went to see why I have not received my new card they told me I had not stopped it I checked my account again and more money was taken out. They investigated it and told me that I was the one that took it out and I didn't take it out I know the culprits I reported to the police the police have done nothing matter of fact I told him XXXX separate times of what happened and I have not got my money 's returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Affirm Holdings, Inc
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They will not let me log into my account to pay this loan. ive tried for months now. It says I dont have an account, and tries to get me to sign up for a new one every time i put in my phone number forcing me into an endless login loop. ive tried contacting customer service to get into the account, but its automated and have yet to receive real human help. meanwhile they keep reporting incorrectly on the account saying im not paying it ... this is not a true reporting statement because again they wont allow me into the account to pay it!!! its {$7.00} ... im not too broke to pay the {$7.00}. they just wont let me into their system and there is no other way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: VA
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:
Inquiries, addresses, phone numbers, names. Also giving out my information to 3rd party sites without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
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 status incorrect

Complaint:
THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX  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 2022-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by a scammer through the XXXX account of my friend, XXXX XXXX, which the scammer had gained access too. The scammer even posted a picture of XXXX  personal vehicle that I have seen before in person and familiar with, the day before they contacted me through his personal XXXX account. This made is very believable that the account was still operated by XXXX the intended owner of the account, but now it had been hacked already, but I was not aware. Basically the scammer messages me pretending to be him and then tells me about an investment that hes part of and asks me if Im interested. I worked with XXXX for multiple years at the same job before and he had always been a trustworthy friend so I took his word for us and messaged the account that he referred me to. Although it wasnt him having a conversation with me, it was a scammer that took control of his account coercing me and referring me to a different investment account with thousands of followers. This made it even more believable and the fact that the XXXX was page was filled with personally recorded videos of testimonies of people who apparently have invested money with the account before under the name of XXXX. Long story short the account convinced me to send a total of {$1300.00}, but I finally realized something was really wrong when they asked me to change the email registered to my own personal XXXX account, and on top of that they asked for another additional payment. And that is when I knew I was definitely scammed and I immediately called my bank, Chase, while the XXXX payment was still pending. This all happened on XX/XX/XXXX. I filed a claim with chase and they told me I would get a called back in 3business days and my {$1300.00} would be temporarily refunded to my account. But it turns out a little over a week later, I call the chase hotline number again and I had to find out on my own that my claim was denied. Chase never reached out to me regarding whether my claim was approved or denied, nor was my {$1300.00} refunded to my account. They told me on the phone today that my claim was denied and I would have to contact XXXX directly. I tried to file a claim through XXXX and they told me to handle the situation with chase. I am here filing a claim with consumer finance now because Im not sure how to resolve this situation. I was scammed and it is causing me a lot of financial stress. I fell victim to this scam because the scammer gained access to my frienda personal XXXX account, and that person is someone I worked with and trust a lot. It sucks the banking service that I use, Chase, and XXXX dont want to help me to get my money back when I even contacted them while the payment was still pending and told them to cancel the XXXX transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, 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:
I have accounts showing current all year in XXXX. Then in XXXX Equifax changed it to show lates. If I was current all year long how can they go back after the year is over and changes it to late payments.

Company response to consumer: Closed with explanation