BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
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: Information is missing that should be on the report

Complaint:
The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both Equifax and XXXX, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
XX/XX/2010, I sent Capital One {$200.00} for a Prepaid Capital One Master card. Capital One have been falsely reporting to the Credit Agencies that I have a credit account with them. Over the eight ( 8 ) plus years I've had this Prepaid Card the Maxium amount I could use is the amount I put back on the card each month. How is this credit if I'm using my own money? What RISK is Capital One taking? And what protection I have as a Consumer when Capital One report to the Credit Agencies that I didn't sent them my money to put on a Prepaid Card each month and these Credit Agencies are recording this False Negative information and lowing my Credit Score?

This is like if I do not deposit money into my checking account the bank will report me to the credit agency. My compliant is that Capital One have caused me harm with this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-17
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to IQ Data in XX/XX/2016 requesting a verification of debt, what I received on XX/XX/2016 was an itemized bill which is not a proper verification of a debt and they are not the original owners of the debt per the information received from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or 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 non-monetary relief
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have continually been trying to access my account from XX/XX/XXXX through now ( XX/XX/XXXX ). When logging in, I get this error : OAuth2 Exception : Unauthorized action..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Fraud happen someone maxed my card out called for help I sent a email I called I made a complaint no reply when I first got the card I asked for a more than I was giving because of my business but I was told I wasnt able to get it because I dont know why they made me feel it was because I put XXXX American on the form also at the time my credit score was XXXX and they still want to help me and I never signed anything for them to share/sell my 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX XXXX. I was getting XXXX money. I had pre payed card from one of the institutes that New Jersey XXXX deposits the money. I am trying to explain to this bank that I put wrong information. Instead of my bank routing number I put my deposit slip routing and money was never transfer to my account.the money will never go thru, they need to refund the money to the pre payed card so I can put correct informations.I went to XXXX XXXXXXXX XXXX seat down with the manager she searched up the transaction and she did not found anything. She wrote a letter stating that money was never deposit to my personal account. I keep calling them about this matter and nobody is helping me. I send them proofs and they still denying it. If I would get those money ( XXXX ) I would not fight with this bank for past 11 months. Please help me to get my money back so I can transfer them to my appropriate account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-17
Company: EQUIFAX, INC.
State: SC
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:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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 have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

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 2023-03-02
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. Violation? I don't know forsure 18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation 15 U.S.C 1635 CHIME Bank ICBC XXXX XXXX # XXXX Reused to return my funds of XXXX $ from an unauthorized transaction that occurred XXXX or XXXX I'm still trying receive my money Back from this deceptive fraudulent corporation my I did everything they asked to get it return each time I was to receive my credit or any similar an issue occurs whereas the time frame has just reach its limitations the same the funds where to Be deposited instead denied deceptively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Information belongs to someone else

Complaint:
I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from TransUnion that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

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 2023-09-04
Company: Bread Financial Holdings, Inc.
State: FL
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company contacted my mother in regards to the debt while i was in the hospital giving birth around the date of XXXX XXXX XX/XX/XXXX giving her information to a debt owed and asking if i was available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/20 from XXXX XXXX XXXX stating that I had a bankruptcy filed on my Equifax credit report. On Friday, XX/XX/20, I called Equifax Mortgage Solutions at XXXX to clarify and dispute the bankruptcy. The representative took my information, then transferred me to another department. The call was disconnected. I went to the Equifax website to try and pull my credit report, but an error was reported stating that my report couldn't be located and to call Equifax. I called Equifax and spoke with XXXX, who informed me that she couldn't find any records for me. She asked if I had a line of credit, and I told her I did. She informed me that I would need to fax and/or mail a list of documents to them to begin clearing up the issue, which I still didn't understand. I asked what the issue was, and she just said she couldn't say because she couldn't find a report for me. We ended the call and I called again, speaking with XXXX. He was able to locate my report, but said that there was a discrepancy and also provided me with the fax number and instructed me to send documents. Once again, I couldn't understand what the problem was exactly and why I couldn't access my credit report. On Saturday, XX/XX/20, I faxed the cover letter they requested I write, a copy of my drivers license, my passport, my social security card and an energy report with my name and address on it to XXXX. I also mailed hard copies to the Equifax Dispute Department at XXXX. XXXX XXXX in XXXX, GA XXXX. 

Friday, XX/XX/20, I called Equifax once more at XXXX and spoke with a representative, informing her of my situation and asking for her to confirm receipt of the documents. It took her a while, but she was able to see that the documents had been received and she read them back to me. All documents were received. But then she stated she couldn't find a credit report for me. I asked for her to specifically list the problem and what I could do about it, but she was unable to clearly tell me what the problem was. I asked for a supervisor. She was then, all of a sudden, able to see my report, but then she asked me to stay on hold for a supervisor. I asked for a number to call back if I was disconnected, but she wouldn't give me a number and put me on hold. I was on hold for 1 hour when the call was disconnected. I called back again and spoke with XXXX. He told me their system was down and that I would need to call back in " a few hours '' to be able to access my report or to speak with a supervisor. 

I am extremely concerned that no one can tell me what the problem is, and if I try to ask for someone else to help me, I'm disconnected or told to call back.

Company response to consumer: Closed with explanation