BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
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: Account status incorrect

Complaint:
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account information incorrect

Complaint:
I keep tabs on my credit from all three bureaus. I have applied for a home equity loan and to my shock discovered that the credit they report to me is different than what they report to a lender. Point in case. Equifax reports via XXXX  and independently that my score is in the XXXX range, depending on the day ( depends on my use of credit ). It says : You currently have no negative information on your credit file. None of your accounts have a severe delinquency or a derogatory status Few or no instalment accounts with delinquent or derogatory payment status. Balances on bankcard or credit card accounts not too high compared to limits. 

The credit report from XXXX matches the XXXX report from XXXX XXXX 

However XXXX reported to the lender same day on a special report generated for " lenders '' that my score is XXXX and that i have " serious delinquency '' which I will attach. That means that if I get the home equity loan, I will pay a higher interest rate. The derogatory is from the US Treasury, dated 2017, for {$650.00} which they say I paid late. I do not remember paying anything late. I am certain there is a mistake but the phone number on the " derogatory '' matter is disconnected so I can not complain to them. I tried to dispute the derogatory report bur Equifax would not allow me to do so because " You currently have no negative information on your credit file. '' Why is there such a discrepancy between the information Equifax sells me and the information they sell the possible lender. That has to be illegal How long is it going to take me to clear this up? Will I lose the home equity loan? By the way the same derogatory information does not appear on XXXX- the report to the consumer and the report to the lender match.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called Transunion to help me remove inquiries that I did not authorize they told me I had to get letter of deletion from the company that ran my credit which I dont know who and why if I say it was an unauthorized inquiry they should take action.. XXXX XXXX XXXX XXXX those are the three companies I asked Transunion to dispute because I know nothing about them

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 2021-01-05
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 have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: NY
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 rewards from credit card

Complaint:
I purchased tickets through my chase rewards card with XXXX XXXX for 4 family members in the amount of {$1100.00}. The flight got cancelled due to the COVID-19 pandemic. I got a credit for the airfare through Chase with XXXX XXXX. Please see the file attached. Now, in order for me to obtain this credit a Chase representative told me that I have to first purchase new airline tickets with XXXX XXXX only with my own money for same or greater amount of credit. Which I did, see file attached in the amount of {$1.00}, XXXX. I was told that I will then get refunded. Now, I was denied the refund and didnt get the original credit! 

I was trying to resolve this case with multiple Chase representatives and spent more than 20 hours on the phone with them unsuccessfully. 

I am filing this complaint to get a full refund that should include the original credit in the amount of {$1100.00} plus the airfare that I paid in the amount of {$1200.00} for a total of {$2400.00}. Originally, they shouldve let me use my credit of {$1100.00} to buy my new tickets, and I would have to pay only the difference ( $ XXXX {$1100.00} ). However, I was told that to get my credit back, I had to first pay for the tickets out of pocket and then I would be refunded for everything, which is the total of {$2400.00}. If I am refunded ONLY the {$1100.00}, I will still be in debt of {$1200.00}, instead of {$130.00} ( the difference between the tickets ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ),  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a credit card with Capital One in XX/XX/2021. It is set up to autopay the full amount owed on the XXXX of every month. It's a XXXX Capital One card and I only use it for XXXX purchases because of the cash back reward. I used it for a few months without issue. I bought a TV with the card for XXXX, so my payment went from around $ XXXX to {$2000.00}. After that payment posted I repeatedly tried to use my card and was told the card had been declined and I had {$0.00} credit. The card has a {$3000.00} credit limit. The first time I called Capital One they told me there was a problem with the payment and they had sent a message to XXXX with no response. I called XXXX and they said, no, there was no communication and the funds had been debited by ACH and were in XXXX XXXX 's hands and immediately available. XXXX XXXX therefore lied to me. When I called again they said it was because the payment was higher than normal, and they did confirm that they had received and processed it, but that I wouldn't have access to my credit until the XXXX ( a week after payment had been made ). 
When I check my payment and credit accounts it shows the full payment has been debited from my Chase payment account to Capital One per the autopay settings, but when I call Capital One they said they put a " routine '' hold on the payment and won't release it for a few more days, due to the fact that my payment higher than normal. It shouldn't matter what the amount is, in my opinion. I've not exceeded my credit limit, the payment has been posted, Capital One has their cash. I'm almost XXXX XXXX XXXX, I've never had this happen before and have never heard of this, and my income is six figures, great credit score etc.. The funds are gone from my payment account, and Capital One acknowledges that they have received the funds, but they won't let me use credit. The attachments show the funds have been debited from my XXXX account and posted to the Capital One account.

What is going on here? This sounds like they are using the money for their own gains/use without letting me use credit. How is this legal? I have plenty of other credit to use but I find this extremely concerning. What if I were a lower income individual who needed the credit card to pay my bills? This could cause cascading injury to lower income people who rely on the credit card to survive and pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the beginning of XX/XX/XXXX, I spoke with XXXX XXXX, my account manager and advised that Id received a check from my insurance company for roof damage and needed the correct process to get the check released as both my name and the mortgage company was listed. I was advised to start the " loss draft '' process. The first step was to send the check and insurance documents to a XXXX IL address, which was incorrect. A week later, I received a packet which instructed me to send the check and insurance documents to a XXXX Tx address which was done. I placed a follow up call on XX/XX/XXXX and was told by the same account manager that my documents were received and that I would need to send additional documentation as my claim is monitored due to default. I advised him that my payments are current ; which he agreed and stated that the system is showing the payment amounts in a suspended status. He explained that he had to reach out to the accounting department to have the payments applied. However, my loss draft claim/insurance check payment will be delayed as a result of the misapplied payment. In the interim, the repairs on my home are still in limbo-almost 2 months later. This is the 3rd time in less than a year that Ive had payment processing issues with Fay Servicing. Im not sure that this is legal. 
1.My ask is that my payments are updated in the system as expeditiously as they are withdrawn from my bank account. 
2. Please ensure that my insurance check is released within the 3 day period as with all good standing accounts ; which was outlined with my original documentation- 3. Please coach, teach and train your associates. " Im not in Loss Draft '' is never an acceptable response when a customer has an unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Informative Research
State: OH
Product: Credit reporting 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:
Hello, This company Information Research looked up my personal credit report without my consent or permission. added a fraudulent hard inquiry on my credit report on XX/XX/2023. I have never done any sort of business with this company, and I don't know how they were able to access my personal information. 

Information Research XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: DriveTime
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:
The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Credit Service Company, INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a notification from my credit monitoring service that collections were placed on my credit history. 

There were no indications that a collection was occuring. i.e. no payment due notices, no late payment notices, etc. No contact whatsoever was given to me. 

After researching, I discovered that it was a debt collection from XXXX XXXX XXXX, part of XXXX, from an apparent visit in XXXX XX/XX/XXXX. Total claimed was around {$3800.00}. 

I contacted XXXX immediately upon discovering this error, and disputed the debt with the credit reporting agencies. XXXX simply stated that they had my SSN and signature and therefore it was my debt. They did not even attempt to research the issue. Also, my dispute was deemed to be incorrect by the reporting agencies as they believed that it was my debt, it is not. 

They also stated that it was a medicaid claim. From XXXX ( after moving from Colorado ) to XXXX I was on XXXX insurance. 

I contacted a lawyer in XXXX and he sent out letters to XXXX and to the reporting agencies. The letters received no responses. 

Of note, in XX/XX/XXXX/XX/XX/XXXX timeframe I did visit XXXX XXXX for a XXXX issue. At the time I was on XXXX. As stated, starting XX/XX/XXXX to XX/XX/XXXX I was on XXXX. There is absolutely no way that this was my hospital visit, and thus not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF THE WEST
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX y/o, legally XXXX and discovered on XX/XX/XXXX that I was the victim of elder financial XXXX. My grandson who lived with me wrote a fraudulent check from my account for {$1400.00} to his own company ( his company that he rarely provided services to anyone. He essentially wrote a check to himself. ) I reported the fraud at the local XXXX Bank of the West branch that day. Initially they credited the account the amount of the fraudulent check. A few days later they sent an email from the branch saying the claim was denied because it was late. I attempted several times to ask why it was considered late I was just sent the terms and conditions with a highlighted section that says the claim must be filed within 30 days of getting a statement with the fraudulent check on it. I called the " XXXX '' number and was told that I had to deal with the local branch. I emailed the local branch and stated that the check was written on XX/XX/XXXX. The check showed on the statement that closed XX/XX/XXXX. Statements then arrive on or about XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. I told them that would be within the 30 day requirement. They said they would refer this to the regional office. a person from the regional office called twice and left a message. I called back at least 3 times and have not heard back from the regional person. 
Also the financial XXXX  made 35 electronic transfers through the bank 's XXXX starting XX/XX/XXXX. The XXXX transfers were from my checking and savings account into my grandson 's XXXX account. The total of the transfers was approximately {$18000.00}. The transfers often happened in succession. On XX/XX/XXXX, he made 8 transfers of {$450.00} each. I also reported this to the local branch on XX/XX/XXXX and filed a electronic transfer fraud claim. I found out on XX/XX/XXXX that bank staff did not fill out the form and I needed to fill out a form. I returned the form on XX/XX/XXXX. I haven't heard the outcome and concerned that they will use the XX/XX/XXXX date as the date I notified them of the fraud. All of the reported fraud would have been reported within the 60 days. Also, the bank did not intervene when there was obvious fraud occurring ( XXXX {$450.00} transfers in one day on XX/XX/XXXX ) I did get an approximate {$7000.00} credit last week but have no idea what that is for and don't know if that again is a temporary credit while they investigate. The {$7000.00} credit is not even half of the total of fraudulent transfers. 

The Branch Office staff are friendly and nice but they do not know how to handle reports of fraud. When I ask questions they call the corporate office and then relay the information third hand. Very frustrating and ineffective way to communicate.

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 2023-01-21
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:
Equifax is inaccurately reporting debt not belonging to me as a collection 3X, THREE Times for same amount. This account I am not aware of an it is appearing on my credit report three times for the same date and amount Equifax must correct this error and stop the inaccurate reporting of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Equifax must delete the duplicated reporting from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} ; XXXX XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : 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 2022-08-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXX : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}

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