BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: KY
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:
After doing several disputes with Experian, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Several Credit inquiries I don't recognize.

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 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a complaint to Transunion and XXXX credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XX/XX/XXXX and it is XX/XX/XXXX and just got a letter from transunion XX/XX/XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as Transunion and XXXX was directed and FCRA 605 B states within 4 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 2023-02-02
Company: Experian Information Solutions 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 attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from 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 non-monetary relief
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the capital one quicksilver card this morning. Unfortunately I was declined. On XXXX XXXX   my score was XXXX XXXX and XXXX XXXX before the inquiry. Capital one is the only bank to decline me. I have good income, no credit card debt, and excellent credit but this bank will not approve me. I was suggested to apply but was declined by this bank for the second time this year. This is the only bank who treats me this way. I call them to try to fix this and they transferred me around 5 times and I got no resolution. Then I came to the cfpd. I feel this company is unfair and I am being mistreated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion sent this letter dated XXXX XX/XX/2018 in response to the attached document by me stating THIS IS NOT A DISPUTE. I requested Transunion to provide, BY CERTIFIED MAIL, signed XXXX XX/XX/2018 the individuals contacted from XXXX XXXX   and the information that XXXX XXXX  is providing Transunion enabling Transunion to continue to verify this inaccurate credit card charge off on my credit report. This proves Transunion doesnt read the information provided on this portal. Transunion collects and submit through XXXX. This document was mailed two months ago to Transunion. No reply from Transunion no requested documents only unrequested reinvestigations. TRANSUNION IF YOU READ THESE COMPLAINTS PLEASE RESPOND TO THE ATTACHMENT SENT TO YOU OVER TWO MONTHS AGO and send the requested 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 2019-09-20
Company: Waypoint Resource Group, LLC
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:
XXXX Still hasnt updated y account owned by WAYPOINT. On XX/XX/19 I filed dispute on this and result was this account was completely rejected dispute # is XXXX Lender contact info is XXXX XXXX . XXXX. XXXX XXXX Texas XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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: Account status incorrect

Complaint:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2019-09-20
Company: Credit Clearing House of America, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original company never explained what this debt was for. I dispute the validity of this debt. I was never provided invoices or other information as to what this debt was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Colony Brands, 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 information incorrect

Complaint:
XXXX still hasnt updated my XXXX XXXX account I paid this account.this account is well over 10 yrs old I called to get proof from them to show I paid it but because this account is so old it is no longer in the system. The dispute number for this is XXXX on XX/XX/19. This still shows derogatory/ profit loss

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. 

Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. 

In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. 

XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX  balance from management company. 

XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. 

XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. 

XX/XX/XXXX, collection agency sent response stating dispute being reviewed. 

XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. 

XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. 

I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. 

There is no breakdown of the {$1200.00}, and during this time my case was in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has a very old antique system. It locks me out all the time from getting a solid credit report from the equifax site directly. When trying to pull a report, it just spins for a solid 15+ minutes and the end result is an error about " no hit '' Past history shows high level Equifax employees need to resolve this. Attempts to get support from customer service is unreliable and ends up in a " we can't do anything for you '' XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: WA
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 have contacted Experian several times that a chapter XXXX bankruptcy on my credit report should not be reporting. I supplied supporting documentation and it was dismissed. Experian is saying they verified the information with the court, which is not accurate. The courts do not verify information. Experian used a third party to view the public records and when i requested to find out who verified the information and what supporting documentation they had, Experian has failed to respond.

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 2018-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX  XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.

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 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2019 American Express chose to cancel my AMEX Platinum credit card. In the same month, the company chose to charge its annual {$550.00} membership fee to my account. This amount shows up on my credit report as past due. Annual is defined by one year in the English Dictionary which is defined by 365 days also in the English dictionary. If they canceled this card without my permission, then I am no longer an annual member ( as described by this fee ). As far as I am concerned, American Express does not have anything in writing that states that it has the right to collect a membership fee after they decide to cancel a card member 's membership. What is the point of the annual membership fee if I can not hold this membership for the 12 month period ( as defined by the word annual )? Either American Express can prorate this fee so I that I can pay for the months of 2019 that I was a member and had a valid working card ( defined by a card that is not canceled ) or the company refunds the fee entirely.

Unless American Express can provide proof of a written policy, that it has the right to charge card holders this fee even IF it chooses to cancel their Amex cards, then they need to refund me or anyone else in this position immediately. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: ARS National Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report

Company response to consumer: Closed with explanation