BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2019-06-20
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: Information belongs to someone else

Complaint:
XXXX, XXXX  AND EXPERIAN IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | 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 INQUIRIES THAT ARE NOT MINE : 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 non-monetary relief
Consumer complaint received 2020-02-08
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclay 's Card US did not tell me they were checking my credit ( hard pull ) before taking my application for a credit line increase. Many card companies do soft pulls and they notify you if they have to do a hard pull. Barclay 's did not give me any information about a hard pull. I would not have submitted my application had I known that my request would result in a hard pull to my credit. I'd like Barclay 's Card Services US to remove this hard pull from my account because I didn't consent to 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 2018-11-05
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: Old information reappears or never goes away

Complaint:
LAST YEAR I HAVE PULLED MY EQUIFAX CREDIT REPORT WHERE AN OLD ACCOUNT WAS SHOWING FROM XXXX WHICH HAD A NOTE WHICH SAID THIS ACCOUNT WILL BE REMOV ED FROM HYOUR REPORT IN XX/XX/XXXX. THE FIRST DELINQUENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXX. AFTER THAT THERE WAS MY PAYMENT EVER MADE ON THIS ACCOUNT AND IT WAS CHARGED OFF. IN XX/XX/XXXX EQUIFAX REMOVED THAT NOTE FROM MY ACCOUNT AND THEY DID NOT REMOVE THIS ACCOUNT FROM MY REPORT. 
THE SAME INFORMATION WAS REPORTING IN MY XXXX AND XXXX XXXX BUREAU WHICH THEY AUTOMATICALLY DELETED IN XX/XX/XXXX. BY CREDIT REPORTING ACT THEY HAVE NO RIGHT TO KEEP THIS ACCOUNT ON MY RECORD FOR MORE THAN 7 YEARS FROM THE FIRST DELINQUENT MONTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2019-06-20
Company: TD BANK US HOLDING COMPANY
State: PA
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:
This is intended to reopen issue XXXX. I was told to give them 30 days from TD Bank 's response on XX/XX/2019. It is now XX/XX/2019 and my household continues to receive mail from them. THis time addressed to my wife, at our home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My original student loan was with Navient ; which was incurred in XX/XX/XXXX ; I was current on my loans until I filed for bankruptcy ( which was filed in the bankruptcy courts in Arizona on XX/XX/XXXX ), listing Navient in my bankruptcy petition. On XX/XX/XXXX, the Judge entered an Order of Discharge ( which Navient was part of that discharge order ). After the order, I received phone calls and letters from XXXX ; and now on my credit report I have a company stating I owe them student loans to this company : XXXX XXXX  XXXX XXXX XXXX XXXX ( Educational ). I have never had any loans with this company ; nor do I owe any loans as I filed for bankruptcy and owe nothing to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : 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 2019-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dating back in XXXX I decided to due an Kohls credit card in which I was approved for {$300.00} dollars in credit.before XXXX I had paid off the credit card in was in good standards so I was thinking I would automatically get an increase after going into my Kohls account I notice the credit was still {$300.00} so I called Kohls and asked for an increase in which they went into my credit score and knowing I didn't owe them nothing I was denied an increase.so again I said let me go ahead and used the second {$300.00} Kohls credit in XXXX in which I paid it off a second time.so know I was thinking I should be giving an increase by now.so now it's XXXX I go to asked for a 3rd increase after trying to purchase some items on Kohls .com when I check my Kohls charge it was only {$300.00} in credit again for the 3rd time.but every body else I knew kelp telling me that there Kohls charge had received an increase over 3 times.so I called Kohls an again I was denied an increase its now XXXX and I'm all most finish paying my Kohls charge card off for the 3rd time and through out all 3 times I was denied an increase when I warned Kohls that I was going to get an complaint against me they said nothing but I'm sorry and good luck..I never felt so discriminated against.when it comes done to these credit cards thinking they can get away with charging me late fees interest rate fees every month but as long as I pay my Kohls charge card I'm not good enough for an increase.but I'm told good luck on putting in my complaint..its XXXX I've still feel I'm owed for the 3 credit card increase because I did keep my promise to pay Kohls back all 3 times but Kohls didn't keep there standards in policy in place when it came to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT 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 2019-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.

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 2020-02-08
Company: Omega RMS, LLC
State: IL
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:
Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Customer Service Team, I am a victim of ID theft. I am writing to file an immediate complaint with Consumer Financial Protection Bureau to assist me with rectifying the unauthorized account matter as follows. I tried to resolve the matter directly with Omega RMS LLC XXXX XXXX directly and I was not able to get their cooperation. As I discovered that, my personal information was used to open an account at Omega RMS LLC XXXX XXXX. I am certainly not aware and did not open or authorize this account, and I therefore request that it be closed immediately. I also requested that Omega RMS LLC XXXX XXXX absolve me of all charges on the account, and that take all appropriate steps to remove information about this account from my credit files. Im able to see this account being reported on the XXXX  Bureau Report which is enclosed. 

Enclosed is a copy of my Identity Theft Report filed with police dept., and a copy of my credit report showing the fraudulent account related to Omega RMS LLC XXXX XXXX that are the result of identity theft. Also enclosed is a copy of the Federal Trade Commission notice to furnishers of information, which details your responsibilities as an information furnisher to credit reporting companies ( CRCs ). As a furnisher, upon receipt of a consumers written request that encloses an identity theft report, where Omega RMS LLC XXXX XXXX are required to cease furnishing the information resulting from identity theft to any credit reporting company. 

The Notice also specifies responsibilities of when Omega RMS LLC XXXX XXXX receive notice from a CRC, under section 605B of the Fair Credit Reporting Act, that information Omega RMS LLC XXXX XXXX provided to the CRC may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRC and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please consider investigating this above matter, and assist me with unauthorized loan account with Omega RMS LLC XXXX XXXX. and absolve me of all charges. I hope to hear back from you soon regarding my above inquiry to close and permanently remove the unauthorized account shared above with Omega RMS LLC XXXX XXXX on all 3 credit bureau reports. Please reach me at XXXX for any further details. Thank you for your prompt consideration in the above matter and your assistance very much. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ONEMAIN FINANCE CORPORATION
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:
* 'One Main Financial ' advertised an offer and i signed for, but it was a false advertisement. They were offering a 10,000 loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

* XXXX XXXX sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Hi my sister fraudulently forged my name as a co sign on private loan from XXXX XXXX XXXX. I just found out this happened when I tried to get my student loan and financial aid. This happened in 2012 I never was around my sister at that time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: NV
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 account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP 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 2018-11-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute is with Chase Card Services Original Claim # XXXX New claim # XXXX I have been trying to get rid of a double charge from XXXX XXXX in the amount of {$990.00}. 

XX/XX/XXXX Statement TOTAL= 2 charges and 1 credit for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge and 1 credit for {$990.00} XX/XX/XXXX Statement XX/XX/2018 I was charged a late fee once for {$25.00} for not paying the disputed DOUBLE charge. Please remove the fee. 

GRAND TOTAL= 4 charges and 2 credits THERE SHOULD BE 3 CREDITS. I SHOULD NOT HAVE TO PAY {$990.00} BECAUSE I ALREADY DID. 

This is ridiculous. I received a service. I paid for it. I paid my credit card bill. And I keep getting charged again and keep disputing again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: NV
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 account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 


NAME OF ACCOUNT : PHNX FINAN ACCOUNT NUMBER : XXXX I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 

Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey, I recently conducted a review of my credit report, and I noticed that this company ( DIVERSIFIED CONSULTANTS INC ) showed a collection account that I find to be problematic. I have reached out o them and they informed me that the balance due was from a past due XXXX  account. I have never had or owned a XXXX  account/phone or ever established service of any kind from XXXX. 

The company also informed me that the account has been open since XX/XX/2017 ( 2 yrs, 9 mos ) and I have been with XXXX for the past 12 years. 

I contacted XXXX  which is the credit bureau that they are reporting this collection to as well, and asked them to take action to get thi collection removed from their records and to erase any record of the collection with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue upon investigation. I wanted to contact you as well, just to make sure this gets done. 
Please investigate this collection and this company ( DIVERSIFIED CONSULTANTS INC ) at your earliest possible convenience, as I am  going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Ive talked to this company ( DIVERSIFIED CONSULTANTS INC ) over 10x already informing them that this is not my debt/account/and or collection and have yet to get any positive feedback or validation that this account is indeed mine. 

My name is XXXX XXXX and you can contact me via email or phone with any correspondence on this matter as it will help me further on getting this collection removed from my credit. 
( Phone ) XXXX

Company response to consumer: Closed with explanation