BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: WA
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 applied for a XXXX XXXX with XXXX XXXX. I was informed that my credit report showed a large amount of credit applications and accounts that are not mine. One report ( Experian ) showed different names and XXXX different social # 's. I did contact experian ... they did remove some, but not all of the entries. I don't know if this is an identity theft or clerical error, but it keeps me from being able to get a loan. I am a disabled XXXX trying to live on XXXX XXXX thus I am unable to pay a credit repair company to handle this matter. Any help is greatly appreciated.

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 2020-12-15
Company: Experian Information Solutions Inc.
State: IN
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS 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 explanation
Consumer complaint received 2018-07-09
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: Their investigation did not fix an error on your report

Complaint:
Experian credit reporting. I have advised them of fraud using my social security number and the items on my credit report are fraud but they keep saying verified when that is incorrect. I have had over 15 fraud inquiries and bankruptcy that is not mine but they wont listen. My name is XXXX XXXX XXXX XXXX and all the items on my report is from my dad, 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 2021-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Experian and was informed that my dispute letters has not been received. This is the XXXX month in a row that Experian has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last XXXX of my XXXX is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Experian on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Experian and this is a clear violation of my consumer rights.

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 2020-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect 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 2021-05-06
Company: EQUIFAX, INC.
State: MS
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per 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 2018-04-02
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$480.00} acct:XXXX XXXX XXXX XXXX acct:XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$300.00} i have been trying to fight this for years i have never applied for any kind of payday loan they recently started contacting me i was asked several times to varify the last 4 of my social and my birthday in which i confirmed and was told my info i was given them didnt match they record and was told they could not assist me anymore i have contacted them to get validation on the account and they refuse to send me the info ... if they cant tell me any info i would like this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I issued a payment to Citibank for {$9000.00}. This was 1/2 of the balance owed on my Executive Mastercard. I then received a letter from Citicards that they would not be renewing my card after the XX/XX/XXXX expiration date. I have paid the card down in order to refinance my home, needing to open up my available credit and reduce my debt in general. I have never had a late payment with them and I feel this an outrageous breach of their duty to me and this action is an unfair and unbalanced reaction to the COVID 19 crisis and not to do with anything I have done as a cardholder. I have asked them to re-evaluate this decision as it impacts my whole family and our economic health going forward in a grave way and was told they would not until after it expires.

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 2020-01-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
JP Morgan Chase has charged me over XXXX of overdraft fees this year. They have structured and held items to maximize the amount of the fees. I have had some family and health issues that have caused my account to dip this low but I still have a good direct deposit coming in every month. I pleaded either them for a third of the fees to be waived which would still leave them with approximately {$2000.00} in fees raked in on the year from my account. They would not waive a single fee for me which just plunges me deeper and deeper into the hole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Fraud Dept notified via text that potential fraud on my Amazon Visa XXXX XXXX  I went online to check my XXXX Chase credit card accts and found that there had been a charge from XXXX XXXX for {$1500.00}. I called Chase Fraud Dept and told them that this charge was not one that I had made, I usually don't shop at XXXX XXXX The customer service person closed my credit card and opened a new one up for me but moved the amount over to my new card which they say I am still to pay payments until they can prove this was not me. 

I contacted XXXX XXXX XXXXXXXX XXXX  and was able to get a copy of the recall receipt which does not have any information about what was purchased but, I did find out that it was 2 @ XXXX XXXX. I have no idea what XXXX XXXX are? 

The person that purchased these XXXX  used a ( XXXX ) # # # - XXXX phone number which my area code is XXXX XXXX XXXX. They used an E-mail acct of XXXXr @ XXXX XXXX XXXX XXXX is XXXX. 

XXXX XXXX said that they did a 'carry-out ' and there is no identification used to pick this up. 

The Address for XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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:
I am once again bringing this to your attention as well as Equifax. See original complaint XXXX. Note that Equifax decided to degrade my credit value by 60 points because the government decided to defer my loan through the CARES act. I did not request this nor did I receive any deferment. Upon becoming aware of this travesty I immediately PERSISTED that the loan be taken off deferment and reported as such. I requested that my credit be reinstated to what it was before. Nothing derogative has happened since this report IN FACT more has been paid off. I demand that my credit be reinstated as it was prior to this CARES act situation. What EQUIFAX did is WRONG. The fact that CFPB is allowing this unjust act is besides me. Do not give me a blanket response that they are not responsible for down grading my credit worthiness as they most certainly are just see below screen shot as well as look as prior complaint above. 
It is VERY clear what they did and they even admitted it when I called them directly. 
What I am requesting is perfectly reasonable and just.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed in my Federal Trade Commission Report & a dispute letter with those specific items listed as well to Experian in regards to fraudulent activity that took place with the use of my SSN to open accounts in my name and on XX/XX/2020 I called the customer service number of Experian to check the status of my dispute and the agents ' supervisor advised me that they had not received any FTC document or any dispute letter ( s ) regarding my account and I do not understand how that could have been when they were delivered 5 business days later per USPS. I would like to get this resolved as soon as possible as this is an urgent matter!

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 2017-09-14
Company: EQUIFAX, 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 have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello Lexis Nexus, I wrote you previously regarding my personal information being gathered by you and shared to third party consumer reporting agencies. You are violating my rights to privacy by collecting my personal information without my express written consent and sharing my personal information to third party companies. I have proof that the bankruptcy court doesn't report any of my personal information to third parties proving you obtained my information without a permissible purpose. I sent a document to you via certified mailed with the tracking number USPS XXXX on XX/XX/2021 and haven't received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion did not investigate an account on my credit profile for Dept Of EdXXXX, Contract Callers, XXXX XXXX, US Dept. OF EDUCATION/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 2020-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are 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