BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
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:
To Consumer Financial Protection Bureau, XX/XX/XXXX This is the 3 rd complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. 
As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. 
Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. 
I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. 
On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XX/XX/XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XX/XX/XXXX, which again they are ignoring information from the data furnisher XXXX from XX/XX/XXXX, they have requested this information on complaint XXXX and they will review it. 
My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? 
As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. 
Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-03
Company: Nobilis Credit Management, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX I received a message from XXXX with Nobilis Credit Management LLC stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XXXX and spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a XXXX at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : XXXX XXXX. XXXX  XXXX XXXX, XX/XX/XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXX/XX/XXXXXXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: ALLY FINANCIAL 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:
Without my knowledge, Ally Financial stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, Ally Financial refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XXXX of 2019. The account has always been and still is current, yet Ally financial is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, 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 non-monetary relief
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Chase Card has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until Chase just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and Chase Card never notified me prior to the " charge-off ''. I noticed the problem on the XXXX website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with Chase Card but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The Chase representatives forwarded me to their Corporate Card Charge-off Resolution & Credit Bureau Specialist. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: MD
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:
satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BVVA Compass bank was running a promotion that if you opened a checking account with direct deposit you would get a {$200.00} dollar deposit into your account some time in XXXX XXXX well because I was a member with a credit card account and already had online access I went online and opened a checking account and set up direct deposit. I later came to find out that because I failed to open the account on a specific web address with a specific code I did not qualify for the {$200.00} promotion amount. I am sure that I am not the only person that already had an ongoing relationship with BBVA that has also been denied the promo amount. The mailer ad made no clear difference to folks opening new checking accounts and people like myself that already had online accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my OLD OLD NAVY CARD, 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 2018-07-04
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a credit alert ( XX/XX/XXXX ) that a late payment was posted to a credit bureau. When I contacted ( XX/XX/XXXX ) XXXX they sent an Email telling me there was no balance on my account. I then received another Email ( XX/XX/XXXX ) from XXXX to check my account. Because I didn't have the account number I could not access the account. 

I then received a call from an agency requesting payment. I asked them for the account number but they refused to give it over the phone. They said they would mail it to me.. I had made 3 payments of {$40.00}. On XX/XX/XXXX i received a bill in the mail showing I owed {$120.00} After over an hour on the phone I found that the {$120.00} interest free purchase I made their was a balance of {$9.00} and fees had accumulated to a new balance of {$120.00}. I talked to customer service and tried to explain that I had contacted XXXX and was told there was no balance but they explained they were XXXX XXXX and not XXXX XXXX.where I had made the purchase. 

As you can see from documents I submitted XXXX and XXXX XXXX appear to be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX was opened on XX/XX/2020. On XX/XX/2020 it was disputed and the Card company updated paid, closed, /never lated. On XX/XX/2020 it was disputed again and the card company stated " The creditor agreed to delete the this account ''. As of XXXX first the have not deleted the account. Ive called them several times to report it as fraud. they have been no help to me.

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 2018-05-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I informed Chase ( and continued to inform the bank ) of my identity theft, which directly affected the accounts I had with the bank. XX/XX/XXXX the bank charged off and closed my account and reported the negative account error to the credit bureaus due to my account allegedly being overdrawn. I disputed the error and Chase has acknowledged its system error and I am due about {$180.00}, but the bank sent the check to the wrong address. It's been more than 30 days and the bank still has not voided the check sent to the wrong address and reissued my funds to the correct address. But, the bank has sent a {$15.00} check to the correct address due to another miscalculation error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation 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 2021-03-01
Company: Open Dealer Exchange, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Optimum Outcomes, 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 noticed an account on my credit report from Optimum Outcomes for {$290.00} and was unaware of a debt owed. I tried pulling up information about the debt but could not locate anything from the company. I used the address listed on the information tab for the company and sent a certified HIPAA and debt verification letter to the company on XX/XX/2018 and have still not heard anything back from the company telling me why I owe the debt, whom I owe the debt to, nor what the debt is for. In the collection tab on my credit report it states the debt was for medical but that is all I can find out. The company was had almost 60 days to verify the debt and has not communicated with me at all. 

Certified letter sent XX/XX/2018 to Optimum Outcomes XXXX XXXX XXXX # XXXX, XXXX XXXX, IL, XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: FL
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 checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: U.S. BANCORP
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received U.S. Bank Reliacard for unemployment benefits that I didn't apply for and is not applicable. After contacting U.S. Bank, it appears the card was issued for unemployment benefits in another state.

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 2021-05-22
Company: EQUIFAX, INC.
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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: PLAZA HOME MORTGAGE, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB. Plaza HOme Mortgage is cheating on you.concerns XXXX.This is first time when i asked them about out of pocket PMI.They never gave mi answer.I think that Plaza Home Mortgage sending you false information about This complaint appears to be about the same issues as your earlier  complaint..This is lie. 
I would like to know why plaza home mortgage put my PMI {$3100.00} as finananced and added to total mortgage loan.The Pmi {$3100.00} is included in closing cost and can not be added to loan but should be substracted.. 
Plaza Home mortgage this is fake gompany and lie a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting an account that was opened under identity theft. I do not have a XXXX phone plan period.

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 2018-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I believed that all of my payday loans were paid. I have not received any information regarding this debt from XXXX XXXX XXXX. I spoke with a man from XXXX XXXX, after an electronic phone message was left on my coworkers phone. I called the number listed in the message ( XXXX ), and they had no record of me. I then called the number that left the message ( XXXX ), and he said he was from XXXX XXXX, and that he was trying to to collect on a debt from XXXX XXXX XXXX. I asked him for written verification and the address where the alleged written communication was sent. He stated that it was to an address that I have not lived at since XX/XX/2011. He stated that he did not have any documentation and that I needed to set up payment arrangements. When I asked how I could get some type of documentation, he said, " ok since you are not willing to pay, I will forward your case to the court and you can wait to be served by them. '' I looked up the company, XXXX, and the contact information is wrong.

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