BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I'M LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Bread Financial Holdings, Inc.
State: SC
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 is reporting the following duplicate information on my credit file XXXXComenity Bank in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 is reporting the following duplicate information on my credit file XXXX XXXX  in amount of {$510.00} ; Midland Credit Management is also attempting to collect an outstanding debt for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-05-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initialed a wire of XXXX usd from my chase checking to my friends XXXX XXXX on XX/XX/XXXX. It just disappeared. Money is never there. I tried to solve the problem with them. I provided details and tried to recall the money so many times. And theres just nothing. Okay I guess they arent even working on it since they never even told me where the money was and I know they can trace it. My recall request was received on XX/XX/XXXX. The whole thing is going on for 5 months. Its very unusual. Hope you can help with that!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BARCLAYS BANK DELAWARE
State: TX
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 logged onto Frontier Miles website to use my XXXX miles towards a hotel booking. The website will not allow me to use the max of my earned miles to book ( there is a scroll bar that allows you to modify amounts, but this scroll bar isn't working at all ) I don't want to pay cash when I have miles. At least as little of cash as possible. So far I have used different browsers and come to the conclusion it is not my computers or Ipads. The first rep advised she can do it on her side and offered to login for me. I provided the password, she fiddled around for a good 10 minutes then hung up on me. The second rep/supervisor ( XXXX ) advised that there is no longer offers for a booking of a hotel for miles. BUT it's clearly an option on the website to use. Otherwise, this is false advertising! I've earned these miles. They could not escalate and advised they said they will forward to customer service or a call back from a manager named XXXX. Nothing! This is an emergency trip! I need to book ASAP.

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: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XXXX.I have called and spoke to a representative, and they declined to help me. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my XXXX Report from XXXX XXXX XXXX XXXXXXXX the Creditor Information is below. 

RENT RECOVERY SOLUTI XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX AMOUNT : {$62.00} However, I am not aware of this charge and have no knowledge of this account. Therefore I filed a dispute to all Credit Bureaus and all removed this account except XXXX. I do believe this account should be removed from XXXX. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: OneMain Finance Corporation
State: SC
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 is showing One Main Financial XXXX XXXX  written off. This balance written off is incorrect as a settlement was reached and I paid {$4000.00} as agreed. Therefore, the amount written off should be XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX XXXX I called Kohl 's to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit union cancelled my card that Kohls pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be Kohls recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to Kohls/XXXX, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to XXXX who referred me back to Kohls. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, Kohls did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor had a judgement posted against myself, but the judgement was then moved to another person 's name via the state court system. I had an attorney contact their lawyer and provide them with paperwork stating the debt was no longer in my name in XX/XX/XXXX. On XX/XX/XXXX of this year, I receive a notice from a debt collector still trying to collect the debt. I sent a certified cease & desist letter to the debt collector today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had my check engine light on and took it to XXXX Nissan. I have a warranty to cover any damage to my vehicle. XXXX Nissan took it upon themselves to not only triple my costs but upon paying over $ XXXX my engine STILL wasn't fixed and I have to bring it back there due to my warranty situation. I've been overcharged due to my XXXX XXXX  and these folks are trying to take advantage of me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, Capio Partners , LLC, located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, telephone number ( XXXX ) XXXX, placed with the credit bureau, XXXX a debt of {$330.00} allegedly owed to XXXX XXXX XXXX XXXX of Texas for XXXX performed on XX/XX/XXXX. I disputed the collection, informing all parties this is an covered procedure paid through worker 's compensation and I am not responsible for any charges. 

This company alleged it was true. They reported the debt, again on XX/XX/XXXX, XX/XX/XXXX and again, XX/XX/XXXX. 

I, continually, disputed these claims, submitting an Explanation of Benefits from XXXX XXXX XXXX XXXX verifying the charges for service and the fact I did not owe the provider. 

I, faxed this information to XXXX and the account was removed from collections on my account. 

In XXXX, XXXX and XX/XX/XXXX, the same company using another name, XXXX XXXX, using the same address with a different XXXX XXXX ( XXXX ) and telephone number ( XXXX ) XXXX submitted the {$330.00} debt, again. I disputed on XX/XX/XXXX and again on XX/XX/XXXX, they claimed the debt is valid. 

I contacted XXXX via telephone, informed them this was the same company that had been deleted, now they are using another name. XXXX was able to find the supporting document I had provided, previously and are opening the case, again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XXXX ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TransUnion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

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 2019-08-13
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:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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 2019-08-13
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: Account information incorrect

Complaint:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2023 I summited a complaint to Experian. Case number : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. Therefore, I demand that the account XXXX ( XXXX  ) be removed immediately from my consumer report. As its reporting inaccurate 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 2021-08-10
Company: EQUIFAX, INC.
State: AL
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 obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for a mortgage loan with my bank, and noticed that I have incorrect information on an Equifax credit report. I asked for my free report on line, but they requested several pieces to be submitted first, SS card, Utility bill, bill with my SS number on it, and some others to be mailed to them. This can take a long time to correct. 
In between my loan is not being processed. 
My data was breached by them, and now I am further punished by delaying my right to a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: ERC
State: WI
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:
I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
Ive contact XXXX, TransUnion and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.

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