BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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: Old information reappears or never goes away

Complaint:
I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.

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 2021-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts are listed in the evidence i have uploaded. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please delete the accounts listed

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 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
ok well i have a pre paid paypal account and today just a few minutes ago i got a email saying my new master card pre payed paypal has been activated and i havent activated a any new card plus the paypal card i have is over balance and idk how. so someone keeps activating a card in my name using my email and i cant get through to no one in paypal to help me close the account or deal with the fraud.

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 2019-03-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Santander refused for us to purchase gap Insirance on our vehicle loan. Six months after the purchase of the vehicle we were involved in a total loss. They did not give us the opportunity to get adequate protection and now we are at a fiancial loss because they forbade us to get gap insurance to protect our loan. They also malreported how much was refunded to them with the extended warranty that we had on the vehicle which the refund was XXXX not XXXX which is the amount reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2018-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Continuing issue with monthly {$12.00} acct maintenance fees and {$35.00} NSF fees.. XXXX & XXXX accts for {$12.00} & multiple {$35.00} charges on XXXX acct.

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 2023-02-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian violated 15 USC 1692g of theFair Reporting Act They were to notify me in writing 5 Days prior to reinserting data regarding Account # XXXXXXXX XXXX back on my report and I was not notified. Also it's been well pass the 30 Days so they need to delete this account. XXXX and XXXX deleted the account already.

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 2019-02-27
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a {$1000.00} loan with XXXX XXXX XXXX that was initiated on XX/XX/2019, with my first payment being made on XX/XX/XXXX. The payments are extremely high and extremely frequent. They call it an installment loan but in effect it is a payday loan that circumvents the California {$250.00} limit on payday loans because they are a XXXX XXXX XXXX. However, they still collect payments on paydays rather than monthly. At the start of the repayment plan, each payment every 2 weeks surpasses {$300.00}. I knew this when I accepted the loan and knew money would be tight however I'm reaching a point where payments of this frequency are going to cripple me. I've had to miss work to get dental work done. A monthly payment at a lower amount would be much more manageable for my current financial situation. Otherwise I don't know what's going to happen in the next month. These payments could spiral me into inescapable debt, largely due to the biweekly collections resulting in over $ XXXX/month due. I simply can't afford this right now, but I want to avoid defaulting. I don't want to be in a situation where I'm taking out further loans just to pay this one loan back. I need help.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
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:
On XX/XX/XXXX i disputed incorrect information with XXXX and Equifax to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On equifax its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Account information incorrect

Complaint:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX  reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

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 2023-04-16
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: Problem with personal statement of dispute

Complaint:
XXXX failed to update information regarding my name, and information contained in my report relating to balances

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 2019-03-20
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. XXXX ( XXXX ) DOB XX/XX/XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-03
Company: EQUIFAX, INC.
State: NC
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: Personal information incorrect

Complaint:
Hey, these old addresses are hurting my credit report. I am also concerned that someone else may be applying for credit under my name and using these old addresses. I have provided to EQUIFAX copies of my current address during the months of XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was XXXX points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped XXXX points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped XXXX points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the XXXX point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the XXXX points even if XXXX fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The XXXX point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Delta Management Associates, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. 

XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. 

I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. 

Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. 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