BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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: Their investigation did not fix an error on your report

Complaint:
I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX  on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. 

I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX XXXX  should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. 

The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. 

This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
open ac cking acct t, acct was open, acct # given, debit card was given, active debit card, card was active. Ck status acct close, rec no ltr from bank on this, they cant tell you why at the branch or bank opr ctr. Had auto, cking with this bank never no problem, accts were closed in the pass good standing, all i can think of chase has to give me inst of XXXX on auto loan, could this be cause of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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 reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: PA
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:
There were two ( 2 ) charges made to my account ( {$1.00} and {$29.00} ) on XX/XX/2019 that was not authorized by me. I spoke to XXXX ( a supervisor ) from Citibank on XX/XX/2019 @ XXXX XXXX EST and she told me that she could not return my money back to my account. 

I would like you to help me get my money back.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: DC
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}

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
Consumer complaint received 2017-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: DC
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized 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 2023-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX  : {$11000.00}.

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
Consumer complaint received 2019-09-08
Company: Asset Recovery Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company name is Asset Recovery ; I have sent them bankruptcy papers with the discharge. In fact when I filed I sent them papers and when it was discharged Ive sent them the discharge papers. They have stopped calling me however they have NOT updated XXXX to reflect the Discharged in Bankruptcy Status. Balance XXXX! I have tried to call them repeatedly and not only have they failed to show the first collection was discharged but they added a second.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company turned this debt over to credit bureau and I was never informed about the debt or the right to dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This sham company is robo calling me from my original reaching out to this near bankrupt company over XXXX years ago! No, I am not interested in a mortgage or your products! Immediately, cease and desist all phone, email and US mailings. My number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called Bank many times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times and have been hung up on many times. I spoke to a XXXX, XXXX, XXXX, XXXX, XXXX. to no avail. I was incorrectly charged an amount of {$150.00} due on XX/XX/XXXX and sent them correct amount of XXXX which they received on XX/XX/XXXX and that check was cashed. I checked on my statments on line and the XXXX statement was missing and my payment of {$100.00} was not shown as made, yet my XXXX XXXX XXXXXXXX statement showed that the payment made to Commenity cleared. I have been charged XXXX late fees of {$30.00}, XXXX of {$40.00} and a return check fee of {$30.00}. I have excellent credit and have never been in this situation before. Today, XX/XX/XXXX, I tried to sent a secure message which is shown on Comenity 's site and after completing the message and attaching the attachments a message said that the attachments would not attach but I could send the message without the attachements. It could not be sent. I did send a letter via snail mail on XX/XX/XXXX as per their request showing the information they requested and when I called on XX/XX/XXXX, they said they did not receive my correspondence. They do not have email or fax only regular mail. I have paid them everything I owe including my last payment of {$96.00}. the only thing outstanding are the fees and interest totaling {$100.00} which is due XX/XX/XXXX. Please advise what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo continued to contact me by email regarding a credit card application ( that I did not make ) and subsequent credit card approval.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Two months ago, I tried to apply for a pre approval for a mortgage. While XXXX and XXXX produced scores, TransUnion stated I had no credit history. I was rejected for the pre approval and a long battle with TransUnion began. I called TransUnion and asked them to fix the issue. They said I needed to call my banks and lenders as they couldnt see my credit history. I called banks and lenders and they all reported it was being sent to the correct name, birthday and social security number. I then mailed documents to trans union utility bills, social security card, and a drivers license. They needed proof that I was really me. At this time, I had read numerous articles online and learned about mixed reports. So I asked my sister to pull a credit report. This is when we learned that all of my information was listed under her name, mixed with her history. We called TransUnion to dispute her credit history. I called TransUnion to obtain my credit report and they still can not see any information or history under my credit report. I am unable to get a loan for any housing and I am stuck in limbo. I have been calling TransUnion every week, for hours at a time trying to resolve this issue and it has been way more than 30 days now.

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 2022-09-12
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection reporting on my credit file that is untrue, and unknown and I have tried to dispute it with no response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.

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
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: NC
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 pulled my Experian credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded. I filed a complaint wit h the CFPB but the company response did not provide documentation that can be used for an identity theft report such as a singed contract or IP address so their response was inadequate to solve the issue. They either need to delete the inquiry or provide the documentation that i have requested that substantiates it so i can file and identity theft report with the FTC

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

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