BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
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 pay for Experian Service and they updated their website. I am unable to dispute online. Furthermore, under their new system they are not correcting disputed items although I sent them documentation from the furnisher indicating that t should address the issue with the CRA since they do not go back and correct " OLD : reported data on CLOSED accounts. That the CRA is responsible for fixing this. This is what XXXX told me on account that I disputed. Furthermore, XXXX XXXX XXXX XXXX said they removed the late payments when I was paying to a security account during HAMP for 6 mos back in XXXX or XXXX and Experian has failed to correct this information. Not only that, they are supposed to purge inquiries within 2 years and they are retaining all inquiries and not purcging this in a timely manner. They do not update ALL information as submitted by furnisher and I have to constantly filing disputes so they have blocked my ability to do so online intentionally which is my right under CRA. I have a document that shows some of the XXXX inquiries that are still reflecting and there are some dupes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
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: Investigation took more than 30 days

Complaint:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number ( XXXX ). My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized

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 2019-04-11
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018, I had a procedure performed at XXXX XXXX XXXX. Subsequent to that procedure, I received thousand 's of dollars in medical bills. If the bills appeared to be correctly allocated and consistent, then I paid them. THOUSANDS of dollars of bills that I paid timely. 

There were a small subset of bills that I received monthly with varying amounts. XXXX could not identify how much I owed for these activities. Every month was a different amount. 

Please keep in mind I had already paid XXXX and my doctors THOUSANDS of dollars. In the Fall of 2018, I decide, " No more! I will not blindly pay these bills. XXXX needs to figure out precisely how much I owe. '' So I called XXXX, and they told me their billing system had recently changed and that they would straighten out the billing issue. I never received a call back or a corrected consolidated statement ... 

Instead, XXXX sent all of the bills with differing amounts ( {$59.00}, {$84.00}, {$130.00} ) to Creditors Collection Service. 

Now, Creditors Collection Service is sending monthly delinquency notices to XXXX, XXXX, and XXXX  that I am delinquent ... I am only delinquent because XXXX, and subsequently Creditors Collection Service, does not know how much I actually owe!!! 
- XXXX has been removing the delinquency notices from my credit report at my request ; however, Creditors Collection Service is adding new notices every week. 
- XXXX deferred to Creditors Collection Service and did not remove the deliquency. 
XXXX XXXX decision is pending. 

I am sorry if I sound frustrated. It's because I am. Please keep in mind that I have already paid XXXX XXXX THOUSANDS of dollars. I am fighting over the {$59.00}, {$84.00}, and {$130.00} out of principle. These companies should not be allowed to just make-up numbers and instead of rectifying their own inadequacies in their billing system. 

Please, PLEASE, help me get these delinquencies removed from my credit reports at XXXX, XXXX, and XXXX. And please punish XXXX XXXX XXXX and Creditors Collection Services for their inadequate billing processes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: LA
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 am disputing erroneous reporting information on my credit file that is adversely affecting me. I would like a lawful investigation according to the FCRA to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX. 
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. 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 2018-02-01
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX  client XXXX XXXX is a victim of ID theft ; his information was used to apply for credit cards without his consent. Disputes of that activity were sent to the creditors in an effort to remove those fraudulent related items from his report. Recently Experian credit bureau sent my client a letter stating they were not able to remove data from the credit report because they needed more information. Under FCRA guidelines that information was provided to them from the agency where the disputes was sent originally ( XXXX XXXX ) ; as they had the obligation to provide that data specific for the removal of the inquiry. In addition Experian already has the complete profile of our client because our client sent a request for an extended 7 year fraud alert on the Experian credit file. Currently Experian is violation of federal consumer law and is now jeopardizing my clients credit history by failing to comply with the law.

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 2018-03-23
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:
I have made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-04-11
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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 status incorrect

Complaint:
Equifax still has n't updated my file even after XXXX XXXX XXXX XXXX has reported to them that the debt has been paid. They sent me a letter stating that the balance has bee paid. Requesting you help since I 'm approved to purchase a home through a lender which is effecting my score. 
The account number is XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, several months ago I called Capital One to update my name from XXXX XXXX to XXXX XXXX XXXX ( my name changed due to marriage ). I provided Capital One with all required documentation. My name was changed successfully - I was issued new cards with my correct name for all of my credit cards and debit cards. 

My husband called Capital One about a week ago to request new checks on our joint Capital One Interest Online checking account. We received the checks earlier this week. When we reviewed the checks, my name was spelled incorrectly with the former spelling ( XXXX XXXX ). 

We called Capital One to inquire as to what happened. We were told that while my name was updated for all of my credit cards and 360 bank account, the name was not changed with the Interest Online checking account. So we asked the rep to simply look at the existing accounts that I have and make the name update, to which we were told Capital One can't do that without proper documentation ( marriage certificate and drivers license ). We advised the rep that we've already worked with Capital One to provide everything needed for all my other accounts and the rep advised that he still couldn't do it because " the procedures for the Interest Online checking account are different ''. 

I've attached a copy of my marriage certificate and drivers license to this complaint. I'm not sure why one area of Capital One can not talk to the other, but can someone please update my name on our Interest Online checking account to XXXX XXXX XXXX and reissue us a new set of checks with the correct name? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.

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 2019-04-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX Charges on CITI credit card that dates back to 2013. Citi has charged me {$1100.00} to date for a service that was added on to my account without my knowledge. When contacted requesting a statement that shows all the charges by XXXX, the customer service agent said they won't be able to send it to or provide 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 explanation
Consumer complaint received 2019-04-11
Company: Source Receivables Management 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: Personal information incorrect

Complaint:
The company, Source Receivables Management, has provided an incorrect address that I have never lived at, to the credit reporting bureaus. I contacted the company to have the mistake corrected and they refused to take down the correct information and report it to the bureaus as is required by law. The company stated that it was the responsibility of the credit bureaus. The individual I spoke to would not take my corrected information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion LLC 2 times ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) letting them know that some of the names they purport to belong to me does not belong me. I also attached my drivers licence showing the correct name but the same wrong names continue to apprear in my credit report the company sent to me on XXXX/XXXX/XXXX. 
The report also shows some telephone numbers which i have told Transunion LLC twice that they do not belong to me but they have refused to correct them.

I have also requested twice for Transunion LLC to remove accounts which they purport to be adverse as it has been more than 7 years since the inial default as per FCRA but they have either refused to remove them or do any investigation.

I also requested for information to show why Transunion LLC is linking me with wrong names and phone numbers but they have either refused or dont have them because they have not carried any investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CL Holdings LLC
State: OH
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 worked to resolve this issue with the company at the end of 2018. It was understood that the items would be removed if they failed to provide the required documentation with the 30 day window per the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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:
I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}

Company response to consumer: Closed with explanation