BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: MO
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:
This company for XXXX put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a XXXX card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 get a credit report every 4 months from one of the 3 major credit reporting companies in rotation. I try to use XXXX, but almost never succeed. Nearly every time I get the message that " We're sorry A condition exists that prevents ... from being able to accept your request at this time. 

To obtain your ... annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX ''. 

There is no other information provided about the what the " condition '' is. Trying it multiple times always results in the same message. I've used the website " Contact Us '' function on several occasions, but have never once received a reply even though I'm required to provide my full name and contact information. 

This is supposed to be the easy and official way to request these reports, but it's a big hassle. I would be better served if the government and the credit reporting companies didn't even pretend that they want to make it easy to obtain my free credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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 have an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts

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 2019-12-16
Company: DISCOVER BANK
State: MO
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:
This company for discover put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a discover card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They suggested i purchase a visa prepaid card to make partial payment on repayment plan. I bought pre paid card they suggested it did not work. They suggested i purchase netspend prepaid card i bought netspend card it did not work. They suggested to mail in partial payment via mail.Every week a different person calls (after i already explained on payday when i would be able to make the partial payment. The installment loan was supposed to be XXXX$ ( a month) strangely it is XXXX$ EVERY 2 weeks which is more then my car payment. I explain to them OVER AND OVER and OVER my paydays. they note in their computers. But have someone different calling every week. At this point it is severe HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The agent who answer the phone at Alliant say they can not help me because I am XXXX and they have to transfer my calls to supervisors, I am then left on hold until a time I am unable to complete my business. Then some woman comes on the phone is really insulting and because I say I am looking for equal access as a XXXX person she starts saying she is XXXX for some reason. I have no idea why nationality matters when I am seeking equal access as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is thru XXXX XXXX and UAS. 

The company sent letters saying the payment was 60 days behind and was not. 

They then deducted 2x the monthly payment without authorization. 

The rep told me the took the payment for the following month too. I told her this is unacceptable and she said it would take 45 to 60 days to reverse. 

They would not reverse the charge even though it's the holidays. Besides effecting my holidays, I will likely fall behind on other payments as well. 

I reported this 8 days ago and was assured they would address the issue immediately. I followed up on 3 days ago and they seemed to have no information on my initial call. Now their response today was " we haven't heard from our accounting department yet ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ACIMA CREDIT, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is about ACIMA CREDIT This debt was a result of identity theft I explained this to the debt collector but they refuse to delete it I got a police report and sent it to them I never filled out a fraud packet their reason for not deleting it is because all my information matched but if someone stole my identity of course all my information will match I settled with this debt collector because im in the process of closing on my house and I didnt have a choice in order for me to get my house I didnt have the time to wait on them to resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX The above referenced company does not provide any type of verification of account history, payments etc. I have made my payments that apparently, a few were not applied accordingly causing an issue. Without receiving any type of monthly statement or access to online account I was not aware of an issue until I called in for verification. This account is set up on biweekly payments but because of the initial issue, it is continuously running behind. This is only adding late fees and additional interest I should not be responsible to pay. I have no idea of what my balance is or when my payments post. I contacted this company to get assistance on updating the account and was told there was nothing they could do until I pay the past due amount. I make my full payment every month. This is outrageous that they can bill me for late fees and additional interest without providing me access to see the activity on my own account. They are reporting this account as constantly delinquent.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
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 am XXXX XXXX and am sending this letter on my behalf, requesting that the extended fraud aler

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 2021-03-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my 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 2019-12-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to pay my payment due on XX/XX/2019 and the computer system connected to synchrony credit card was faulty and didn’t receive my payment until after the due time. I called the (synchrony) the company, and made sure the payment went through and they told me it had not. I proceeded to pay it & requested they remove the late mark on my credit & I was assured this would not effect my credit. After reviewing my credit report, I see a missed payment remark from synchrony and request this be removed. I have had that credit card for 2 years and have never been late on my payments.Thank you for your assistance and time. Let me know what you need from me to take care of this marking.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due  XX/XX/XXXX , 30 days  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days  XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-14
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible.

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Receivables Management Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently making monthly payments on this account and the amount on the collection letter is incorrect. I will continue to make my final payment to the XXXX  next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My ONLY Full Legal Name : XXXX XXXX I do not have ANY akas or XXXX 's names my last name is not XXXX. 
2. My Only Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX I do not reside, nor do I have access to property or to receive mail from XXXX XXXX XXXX, so I demand this address be removed from my credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses. 
I demand a deletion of all personal identifiable information from my consumer credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-12-16
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX  ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX   Credit Bureau and spoiled my FICO.

Company response to consumer: Closed with explanation