BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: GA
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 ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CITIBANK, N.A.
State: MI
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:
Consumer Financial Protection Bureau ( CFPB ) -- been suggested i seek CFPH help because of the impasse here. I am trying to work with you and progress or cooperation on your part.

1. automatic monthly payments with high interest rate charges have been made and accepted every month 2. reviewed all the accessible receipts XX/XX/XXXX and accept those charges for the month. 

3. reject all other charges from day card was opened to present ( except for XX/XX/XXXX ) because you have not provided these receipts for me to review. 

4. expect a refund for full amount except for XX/XX/XXXX since request for list of all charges from inception of card to present has not been provided -- assuming these are fraudelent. 

Best Buy Citibank VIsa Balance : XXXX Valid Purchase:XXXX Fraudulent Purchases : XXXX Outstanding Balance Refund Owed to Me : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Costco Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUDULENT Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ACTIVITY Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX XX/XX/XXXX XXXX Autopayment " XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment

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: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out my loan on XX/XX/2019. I have since found out that their loans are not legal in the State and not licensed to do business here. I have revoked my ACH withdrawal authorization and notified them to not contact me via phone. They have texted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: BARCLAYS BANK DELAWARE
State: AL
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 XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2021-12-11
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: Investigation took more than 30 days

Complaint:
I have disputed the illegal reporting of XXXX XXXX XXXX to Experian and Experian will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Old information reappears or never goes away

Complaint:
I have been a XXXX XXXX for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are 6 years and 10 months today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have 0 late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my 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 explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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 n 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 XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from 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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.

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 2022-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/22 I tried to access {$200.00} to finish paying my rent. I have been charge three {$35.00} fees & three {$2.00} fees as I had to use another ATM. Because I am not able to get the remainder of the money, I will be late on rent, & may become 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 monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX I 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 XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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: 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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XXXX of XXXX, I sent off a notarized dispute letter to Bank of America Corp. to dispute this account on how it was reporting on my consumer report. They never responded to my dispute that was sent via USPS to them. The Fair Credit Reporting Act states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to resolve issues with chase bank collections team taking more than I agreed to. 

I dont have a phone plan because Im homeless, due to an accident I recently XXXX XXXX XXXX XXXX XXXX XXXX I was told by chase on XXXX I can use the XXXX  app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! Im homeless, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me {$60.00} dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment on my plan in XXXX because i only had enough money for paying my last day of rent. In XX/XX/XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and the new payment amount for XXXX. I was only given this option to pay this amount, so I scheduled a payment of it. There was only {$320.00} in that account. Chase collections took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because they tried to take that {$320.00} twice. Why were these charges taken separately? It would be like collecting the missed payment in XXXX and then two payments for XXXX! 

I have been trying to resolve this and they never reply! I dont have a phone and XXXX XXXX XXXX XXXX! Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im homeless and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being homeless, and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Their investigation did not fix an error on your report

Complaint:
I asked Experian to verify an account and to investigate it as it was inaccurate. 

They told me that they are allowed " not to reinvestigate '' which is an illegal statement and lie. 

In accordance with the 15 USC Section 1681 - they are obliged to reinvestigate and fix the errors on my report by removing the account. 

XXXX VS XXXX  1997 - clearly highlights that the burden of proof is with the Credit Reporting Agencies. There is precedence and the bureaus have to respect the law. 

I have attached a letter that I want you to see addressing them. 

You will notice the multiple errors on my credit report and their failure to fix the issue. 

Please have a look.

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 2017-12-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have previously submitted disputes to Equifax and XXXX regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX Personal Loan - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$7000.00} - FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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 is my another request to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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