BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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 one account with XXXX XXXX XXXX XXXX ; that account is open, and that account is not late 30 to 60 days Yet this one XXXX XXXX XXXX XXXX Account reports in duplicate on two crediit Bureaus and three times on the third credit bureauu. Each and every time this reports, it reports incorrect status, closed, written off, charged off, the balance is incorrect on each and every one of them, and they all report written off as recently as last month and late 60 days this month. Everyone of these derogatory items is incorrect Credit bureaus will not look at my paperwork and correct the balance. SEE ATTACHED Credit bureaus will not look at my paperwork and correct account as being an open account. SEE ATTACHED Credit bureaus will not delete duplicate or triplicate accounts from my credit report. These duplicate or triplicate accounts are obvious on their face because theyre all were opened the exact same date in the exact same amount... .Insane to continue to report more than once every time they get XXXX XXXX to confirm it, they just make all the derogatory items worse, and everything gets worse when reported on crefit reports

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 2019-09-13
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: Old information reappears or never goes away

Complaint:
On XX/XX/2019 I called all 3 credit bureaus ( XXXX, XXXX, Experian ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX XXXX, Ca 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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : DEPTEDXXXXT Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
According to my XXXX XXXX Account ... Capital One made a " Hard Inquiry '' sometime between the dates of XX/XX/19 - XX/XX/19. 
Ive never given them my personal Information or have I ever done business with them. 
I would like this Inquiry removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: ENCORE CAPITAL GROUP 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:
Midland funding, the most crooked trash to ever disgrace our country. I have been fighting this for 5+ years. In XXXX, my identity was stolen, and as a result, I have to file specially with the irs. 2 years later, this and a couple others magically appeared on my credit record. Most have been removed, by other, more reputable companies. The collector has been notified of the id theft, and received confirmation in XXXX, I believe. It was removed from my record, only to reappear a year later. Since, this predatory collector has falsified information to the credit bureaus repeatedly over this time. I have sent 3 letters requesting verification of debt, and only once received anything : a stack of blank paper. Theyve ignored my requests for this debt that I have nothing to do with, and due to them, ive had a much lower XXXX XXXX than i earned. This is illegal, and im a step away from suing for the hardship due to a falsified credit report. My credit would be perfect if not for these unethical sacks of refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We have had a company card thru chase for XXXX yrs. We inquired two weeks ago about promotional offer at 0 % interest. They referenced our old account was not eligible and that we had to open a new account ( the business preferred card was the only one that had a XXXX offer ). We applied ( the application was on hold until they pulled my credit ). I did it on the phone with a live XXXXep. We were approved ( for orig a XXXX limit ( I then asked XXXX take he majority of our old acct limit add it o he new card limit so we could consolidate 3 other business accounts and take advantage of what chase promised thru flyers/online emails and he rep live ( 0 % for 12 months ). I called tonight and the rep told me no promos. This is going o create a fiscal hardship along with having impacted my credit where I would never had applied if no XXXX promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: FIRST MIDWEST BANCORP, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I opened a {$100000.00} HELOC with First Midwest Bank in XXXX. The HELOC was not on my primary residence but on an investment property that has/had no other mortgage. I never used or withdrew any funds. I attached the last statement dated XX/XX/XXXX which shows the HELOC was open, the annual {$50.00} fees was paid, and I had an over payment of {$10.00}. 

In XX/XX/XXXX, I discovered that the HELOC had been closed. I discovered it because I was in the process of purchasing another property and XXXX XXXX contacted the bank to verify the information I provided to the new lender. They informed me the HELOC was closed. 

I have received no written explanation about when and why it was closed. I have received different and conflicting explanations over the phone : one clerk claimed I closed it, another clerk claimed it was closed in XX/XX/XXXX by their collections department because of a late payment of the XXXX annual fees. ( It is true that I paid the XXXX annual fee of {$50.00} late. That is because I moved to XXXX and did not receive their annual statement even if I had notified them in writing of the address change. I paid it as soon as they contacted me by phone and they did not make a big deal out of it. In fact, one year later, in XXXX, they accepted my next annual fee payment over the phone with confirmation number XXXX, and sent me a new annual statement on XX/XX/XXXX ). 

I asked over the phone for a written explanation, for a refund of the {$10.00} balance and the {$50.00} annual fees, for a copy of the paid note and the mortgage release. As of XX/XX/XXXX, I still have not received anything. As of mid XX/XX/XXXX, the HELOC was still showing on my credit report and I had to contact XXXX to have it fixed. 

The HELOC was on an investment property in XXXX but I currently live in XXXX. After the discovery, to better track their correspondence, I changed my mailing address to a scanning service in XXXX. The only written communication I received from the bank since the address change is the attached notification that they have received the request for address change.

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 monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have an inaccurate address left that needs to be removed. Per FCRA section 605 you are required to remove any information listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX, CA 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 2021-10-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, The last payment i made on my student loan was in XX/XX/21 and i made it so the remaining Balance would be exactly {$65000.00}, an amount which remained {$65000.00} until XX/XX/21 when I logged in the Fedloan website to make a payment but I found that my balance had increased by {$.00} and now it is {$65000.00}. 

I crossed referenced with my records, the Federal Student Aid website and Credit Report that reports my balance as {$65000.00}. There is no interest being charged right now so i dont understand why this {$.00} appeared magically in my balance. 

I contacted Fedloan on XX/XX/21, The First person i spoke to said she had never seen this, so she transferred me to another person, which said the same, and then got transferred one last time. The Last person i spoke to said she had reached out to an specialist and said there hadn't been any changes done to my account, and that there was nothing to be done, and told me she would send me a statement of account through the mail, and told me to review and see if anything that didn't feel right to call back This is unacceptable, just raising your balance just because? The whole reason i called her was because i already found a discrepancy and all they did was to deflect. 

In summary... The value of {$65000.00} reflected in the Fedloan website is wrong, and right now i dont know if this a system error or a scam? How often do numbers just magically appear in loan balances without ones knowledge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I had applied to XXXX XXXX American Express Card with a XXXX XXXX XXXX points bonus points for {$1000.00} in purchases. I applied through a link through XXXX XXXX website. A month later statement posted without my bonus points even after {$1000.00} in purchases. I opened a case with American Express about my missing XXXX bonus points. I've contacted American Express and they said the offer was not attached to the account. Why would I apply to a card without signup bonus? This is my first American Express card too. American Express supervisor said they could not do anything for me as it was out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with Franklin Collection Service. I am not liable for this collection due to not having a signed contract with Franklin Collection Service. I am not responsible for this debt. Please remove from XXXX, XXXX and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, XXXX, & Equifax have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent Equifax XXXX & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  ; account XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.

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 2022-01-26
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation