BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.

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 2018-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I received a call from Diversified consulatants inc. for a XXXX account claiming that I owe them {$3900.00}. Ive never had a XXXX account. So i began to explain to them I had identity theft with my SSDN, name and address. They told me they would send me a letter with information required for fraud. While on the phone I heard cheering and partying in the background. The guy on the phone instantly muted the phone while telling his crew to be quiet. I knew at that moment it was a scam. 
In XX/XX/XXXX when i learned that my identity was stolen i had my credit report ran by XXXX ( the credit agency that was hacked ) and XXXX  came up as one of the companies they tried to open a account with. We called XXXX and they told us there was no account open. I continued to call XXXX again right after receiving this call and they told me again there is no account. 
its weird too because all of the credit agencies that i have been turned over to because of identity theft have told me that i have to contact the company directly and deal with their fraud company. this is the first collection agency that claims they do it themselves. 
XX/XX/XXXX i receive a letter in the mail asking for all my information SSDN, name and address, police report to make a claim. the letter looks unprofessional and is a copy not a actual printed letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: IL
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 or about XX/XX/2018 I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$2600.00} not mine

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1100.00} not mine

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 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have applied multiple times for a credit limit increase. Bank of America never answers. 
The limit has created serious problems for me as I have to make multiple payments during a billing period, rejection on purchases etc etc. 
I have excellent credit above XXXX score and I don't like to use more than one credit card for organizational purposes. XXXX  violating the law as usual does not answer the credit increase request and does not follow their own rules. Of course try to talk over the phone is useless and with no resolution either. 
Attached is proof of my latest never answered credit increase request a month ago. 
I believe there should be a criminal investigation against Bank Of America for their fraudulent practices.

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 2018-09-29
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've called TransUnion a hundred times and tried to get it to fix its system which did not allow me to make any disputes to anything on my credit report. TransUnion just gives the run around saying that I called the wrong department and that I need to call the " online department. '' But the representatives never give a number to that department, and the automated machine at the general numbers don't offer that option and hangs up on callers. I have had inaccuracies on my TransUnion credit report ( and only my TransUnion credit report ) for many months. I have spent hours, days, weeks, and months trying to get TransUnion to fix its system. I filed a complaint with CFPB several months ago about how TransUnion would not allow me to dispute anything. TransUnion said it was looking into the dispute which was an absolute lie. Even if it had actually been looking into resolving the dispute that I filed before it locked me out, it had been well over 60 days, and now, it has been hundreds of days. TransUnion has actively blocked me from making corrections to false claims on my credit report that have had real and serious impacts on my life even beyond all the time of mine it has wasted. XXXX fixed the inaccuracy in less than a day. It has taken over six frustrating months just to get the ability to file a dispute again after TransUnion messed up my credit report and locked my account. 

I only just today, after many months and countless hours, have had TransUnion remove the error code and allow me to dispute things on my credit report. Now, I will have to wait to see if my credit report issues will also be resolved with TransUnion.

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 2018-06-27
Company: MB FINANCIAL, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were notified in XXXX that we were in danger of facing foreclosure and that we had to act on the Act 91 Notice that they forwarded to us on XX/XX/2018. We contacted XXXX XXXX XXXX to help us complete a HEMAP application and complete the Hardship Package we were sent. Since then with the assistance of XXXX, HUD/FHA and NACA we have submitted 5 Hardship Applications all of which except for the very last one submitted yesterday have be summarily rejected for one flaw or another. We have been served Foreclosure Notice and are afraid that while we are in the process of waiting for a response from the Mortgage Company regarding our latest RMA/Hardship Application that our house will be sold out from under us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: LA
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint
with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX  XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}

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 explanation
Consumer complaint received 2017-08-04
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 status incorrect

Complaint:
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
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 have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XX/XX/2020

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 2018-04-25
Company: EQUIFAX, INC.
State: ME
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:
A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
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:
XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been dealing with the XXXX credit card, Capital One, for 5 years. They are the only company I pay that refuses to count any over payment made within a billing cycle to the next billing cycle. In the XX/XX/XXXX to XX/XX/XXXX billing cycle. I was due on XX/XX/XXXX for {$210.00}. I use my bill pay system from my bank so I can synchronize my payments with my paychecks. I pay {$130.00} a paycheck to XXXX, every other Wednesday. I paid {$130.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of {$390.00} in one billing cycle, even though I only owed {$210.00}. My next payments were XX/XX/XXXX and then XX/XX/XXXX, both for {$130.00}. However, because they did not count any over payment outside of the previous billing cycle, when my due date of XX/XX/XXXX came up they said I still owed {$86.00} and then charged me a {$35.00} late fee. I called their customer service and they immediately waived the fee, however, they stated it could only be done once a year. I advised them of how I was making payments. They admitted that they understood why the late fee had occurred and stated they could change the due date. I advised them that changing the due date will not solve the issue and I asked them to credit over payments on my account to the next billing cycle. They refused to do so. They advised me the only thing that can be done is changing the due date. Now since my payment of {$130.00} posted XX/XX/XXXX it took care of the {$86.00} left on the cycle, but I'm going to be late again since my payments of {$130.00} will occur on XX/XX/XXXX and XX/XX/XXXX ( 1 day past the due date in XX/XX/XXXX ). It is obvious this policy of keeping all payments within one billing cycle generates a lot of revenue for Capital One, and that is the only reason to have it in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon collection agency is trying to collect XXXX dollars for debt incurred in the state of KS. Debt was incurred in 2015 the statute of limitations is 3 years. Account is reporting as delinquent on one of XXXX, XXXX   or XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: MI
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 BEEN WITH JP MORGAN CHASE SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, CHASE AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD 50 IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/2019 I contacted ( XXXX ) to have my credit report from all three agency mailed to me. I decided to have them mailed because when I tried obtaining it online in the past one or all three refuse to allow me to access my report. Last year after first going online I only received one report. I called two weeks ago, and have not received anything any from TransUnion, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days to this bureau and they are disregarding regular consumer disputes. I'm deeply stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Checkr, Inc
State: MD
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 is incorrect

Complaint:
I had been driving with XXXX for 5 years when on a routine background check the rejected my employment because of a background report from Checkr. When I look in the report Checkr has sent me there is no negative information. I paid to run an independent report from XXXX which came back clear. Checkr has irreparably damaged my employment opportunity with XXXX.

Company response to consumer: Closed with explanation