BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
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:
Experian Member ID XXXX XXXX - XXXX FILE # XXXX - XXXX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXXXXXX XXXXk - Acct : XXXX XXXX - Sold to XXXX XXXX XXXX - Acct : XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct : XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Acct : XXXX Old Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( XXXX, EXPERIAN, & XXXX ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from XXXX, XXXX and Experian. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX Last 4 of Social - 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 2023-07-03
Company: Experian Information Solutions Inc.
State: GA
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 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 a account without my written instructions

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 2023-07-27
Company: Self Financial Inc.
State: TX
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:
I lost my card in XXXX and there was a transaction made, I maid a fraud claim and Self Lend told me it would take about 7-15 days to get my money back. They actually took 3 months, then they took it back out they decided to close my account and keep that money. They dont want to give me the money because they said I owe that money, I dont owe anything because that is a secured credit account I deposited {$2000.00} when I opened that account they never lend me anything. They kept taking and taking money from me from fees and statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, 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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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 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 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 XXXXXX/XX/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 2021-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio services calls me everyday. From multiple different numbers. They call my place of unemployment. They call my parents and threaten them and use foul language. They have tried to serve me papers but I wasnt home. I have told them to stop and they just get worse. They are known for this type of behavior and its well documented all online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Bank of America Small Business credit card on XX/XX/2018 for my Sole Proprietorship that I just started. I filled out the application selecting Sole Proprietorship as the business type. I did not receive a decision at that time and later received a letter dated XX/XX/2018 requesting more information. 

This letter requested proof of business, verification of legal structure, year end business financial statements and tax returns. They gave me one month to provide this information. They also disclosed my credit score as XXXX, establishing there is no credit issue. As a newly established sole proprietorship, I do not have many of the items they requested as they do not exist and are not required for my type of business. I provided the information that I did have, such as my tax returns, along with explanation of why the other information was not available nor applicable. 

I think received a letter dated XX/XX/XXXX, denying my application. This is before the 30 days I was given to produce the information. The reason for denial was insufficient information on the business bureau- which is not required for a Sole Proprietorship - and business credit references have not been established for a sufficient length of time - which is  discriminatory in nature against new businesses, even those such as mine with excellent credit.

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 2022-01-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please help me fix this issue with Experian. I am attaching all documents with descriptions. No third party assistance was needed for this

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 2021-09-03
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed. 
Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a collection agency trying to collect a dept i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Account status incorrect

Complaint:
On XX/XX/2020, my husband and I applied for a mortgage loan with XXXX XXXX. The loan officer stated that our credit scores were too low to obtain a mortgage loan even when he uses the middle score from all three bureaus. Also, on today, XX/XX/2020, we applied for a mortgage loan with XXXX XXXX through XXXX XXXX with the same results. This complaint is against Equifax Credit Bureau, who shows my credit score as XXXX. However, when the mortgage loan officers check my score then Equifax is reporting XXXX. This different span of scores is affecting our ability to purchase a home and makes Equifax in violation of the Fair Credit Reporting Act. I have attached the scores reflected by Equifax via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, I received the Way2Go Debit card as a product with which I have received my unemployment insurance funds, roughly around XX/XX/2020. This Mastercard product was accompanied by the associated information and terms of use paperwork. The XXXX XXXX Prepaid Mastercard Card Terms of Use document includes a table under the 26. Fee Schedule section. I have attached an image of the section of interest. Funds Transfer is listed as a category, noting You may transfer funds from your Card account to a U>S> bank account owned by you. You must initiate the funds transfer by calling the automated customer service at XXXX. I wish to note that on XX/XX/2020, I logged in to my account on and searched through the Cards associated website portal, GoProgram.com, and was unable to find any reference to initiating or performing fund transfers online. Furthermore, I called the provided Customer Service phone number on XX/XX/2020. Fund transfers were not offered at any portion of the automated systems choices. I eventually reached a customer service representative over the phone. She confirmed that the customer service department for this card is unable to initiate a fund transfer in any way. She suggested that I complete the transfer online, by logging into my account. I informed her that I had attempted the actions via my account online. She looked further into the situation and reaffirmed my sentiment that transferring funds was also not an option provided to me through my online account. I asked her to confirm that there was in fact no means in which the funds could be transferred electronically or directly to my XXXX XXXX  account. She confirmed and informed me that my only options for accessing the funds are to either withdraw cash via ATM or spend the money through purchases. In summation, the Terms of Use for this card indicate that I may transfer funds from this card to my personal XXXX XXXX  account, while simultaneously no method for conducting this service is offered to me ; XXXX XXXX is not providing the service that they claim to offer. 

I called CFPB on XX/XX/2020, explained the above situation, and was encouraged to file a complaint, preferably online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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: Information belongs to someone else

Complaint:
XX/XX/2017 XXXX  bank {$150.00} delinquency

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 2018-07-26
Company: AES/PHEAA
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX 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 2017-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the EQUIFAX and XXXX show XX/XX/XXXX.

Company response to consumer: Closed with explanation