BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: WI
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 was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found TransUnion listed 2 hard inquiries ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ). Equifax listed 1 ( XXXX on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted Equifax who said they never received anything from XXXX and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX again. XXXX stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted Equifax again to see if they received the letter from XXXX ... Equifax stated that they had not. I asked how I could submit the letter of proof that XXXX sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( Equifax ) explaining their determination. I called XXXX again, and they said there is no such number to call, and all they can do is submit the letter again to Equifax. As a side note, I was " disconnected '' from Equifax 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX  again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

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 2020-06-25
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:
There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) 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 explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-10-10
Company: EQUIFAX, INC.
State: AR
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 sent Equifax a letter regarding inaccurate and unknown items on my credit report. This is not a regular dispute I have been waiting over 60 days now for a response from Equifax. I do feel as if I am being taken advantage of and my concerns do not matter. I understand by law that I should have received a response in a 30 day period yet its been well over 60 days and I havent received anything. I demand these accounts be removed for that specific reason. I will be filing for litigation if these matters are not addressed appropriately. My information was impacted in the Equifax data breach as well so information could have landed in someone with malicious intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Chase Sapphire Preferred card includes a roadside assistance benefit. I had an auto breakdown on XX/XX/11 and sought to use this benefit but was denied. 

The breakdown occurred outside of cell phone service. I had to hike to a yellow box emergency phone operated by the California Highway Patrol. The emergency phone was able to connect me to a tow company but could not connect me to Chase customer service to notify them that I was accessing the benefit. 

I paid the tow company {$360.00} out-of-pocket ( charged to the card ) with the expectation that I would be able to file for at least a partial reimbursement of the cost. When I contacted Chase to do this, they informed me that the benefit only applies if you contact Chase in advance of the tow. This was not possible in my situation. 

Chase does not qualify the benefit language by specifying that the benefit only applies when a car is traveling in an area where cell phone service or a pay phone is available. 

I called Chase and spent an hour on the phone trying to resolve this. In the end, however, they bewilderingly instructed me to contact the towing company for a reimbursement. The towing company does not owe me anything and is under no obligation to reimburse. Chase, however, is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company refuses to contact the original creditor regarding a fraud investigation of a third-party and the creditor now alleges that they have no record of such investigation conducted conducted in 2016. According to 12 CFR 235.8 ( c ) ( 1 ), data  regarding costs incurred with respect to an electronic debit transaction, interchange transaction fees, network fees, fraud-prevention costs, fraud losses, and transaction value, volume, and type are supposed to be retained for 5 year 's. Why is there no record of how costs increased above my credit limit from {$300.00} to upward of {$900.00} and the fraud investigation conducted afterwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a customer for 2+ years with American Express and have had a perfect payment history, and as of today my credit score is close to XXXX. I'm having a issue getting a credit line increase which makes no sense. The only customer support you can get is via a rep in XXXX, I would like a US agent to deal with this because it's not making any sense what's so ever why with a a close to XXXX credit score and a perfect payment history why am I having a hard time getting a credit line increase. I want a US based review of my account instead of when I call I get people not in this coutry who I can barely understand and it makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: DISCOVER BANK
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:
I have reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. 

The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. 

It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: CITIBANK, N.A.
State: NJ
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:
I opened a dispute claim with Citi Bank and they declined the claim within 10 days giving me non valid reasons. I was charged by XXXX for {$860.00} in which i never received services for nor a refund they told me to speak to my credit card company. At this point its fraud/scam because Citi bank does not want to give me back this credit amount.

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 2020-06-25
Company: Experian Information Solutions Inc.
State: AZ
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:
There is an item on my credit report, a late payment of 30 days from XX/XX/2014, for my home mortgage with XXXX XXXX. My mortgage with XXXX XXXX is a written contract and according to ARIZONA STATE LAW STATUTE 12-548, THE STATUTE OF LIMITATIONS FOR A DEBT IS 6 YEARS. This law supersedes the Fair Credit Reporting Act. I would like this item removed from my credit report as required by Arizona State Law.

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 2020-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
law offices XXXX showing on XXXX FTC violations

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 2019-07-14
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX at XXXX XXXX. I purchased a XXXX XXXX XXXX XXXX with a balance of {$200.00} as a gift for my daughters 13th birthday ; then at XXXX XXXX. an online transaction in the amount of XXXX was charged to said card at " XXXX '' a website neither myself nor my daughter have ever heard of or would have a need to use. Upon finding this I went to the website to see what it was, had my daughter enter her email ( as it's her card ) it then came back and said no user account found ( which we knew because she didn't male the purchase ) I took a screenshot, sent an email to the retailer for suspicion of fraud and proceeded to call the customer service number on the card, except they literally couldn't provide me with any info.. Told me the card was registered to a zip code after purchase ; except immediately after my daughter and I went to thr park and she then stayed there while I went to work, not getting home until like 8 p.m. yet the card was already used before she even got home and got the opportunity to use it on herself as intended.. I was informed I had to wait for the transaction to be approved prior to filing a dispute which is ridiculous, I told them it was fraud and it should have been stopped!! So I called back this morning and initiated the dispute ; I was then told I need to wait up to 3 days to receive dispute paperwork and proceed by sending in my personal identification info, copy of reciept and card etc.. I did some research and found that this company is NOTORIOUS for this issue and having gift card funds stolen and often dispute paperwork never comes, and that it's typically a run around game till people get frustrated and just give up.. I can see that as I don't feel I was helped at ANY CAPACITY by them and now have to wait up to 90 days??? So my kid gets ripped off for her birthday gift, has to wait up to 3 months for resolution that according to reviews will likely never come!! Why is it that they're are so many reports of this EXACT SAME outcome after purchase with this company and so many unresolved disputes yet no investigation, security measures to protect consumers or any type of even attempted resolution to the situation!! I am so frustrated and angry and their customer service is a joke ; please help me resolve this an undo the theft of my childs birthday gift!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

TU, XXXX  and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

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 2020-06-25
Company: Experian Information Solutions 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:
On XX/XX/XXXX. I received a letter from XXXX to dispute the denial of an apartment due to Experian Credit Bureau placing a freeze on my credit. I did not give Experian permission to freeze my credit nor did I request to freeze my credit. 
I am an Authorized user on my mother 's XXXX XXXX credit card since around XX/XX/XXXX. Since receiving that credit card XXXX   and XXXX Credit Bureaus both report the status of that credit card every 30 days since XXXX. Experian refuse to report the XXXX XXXX credit card and also refuse to report a credit score to my credit report. I have been denied a mortgage twice this year because of " Not enough Credit '' Experian does not report any score. I have spoke with Experian 's customer service and Dispute department every 2-3 weeks since XX/XX/XXXX. Experian stated that XXXX XXXX need to file a " Reinsertion Form and send to Experian. XXXX XXXX states they have never heard of such form. I have been going back and forth since XX/XX/XXXX. My XXXX XXXX Credit card is in very good standing and I want it reported. I was also told by Experian that I needed to get a membership to have easier access. Experian deduct XXXX every month from the same credit card they seem to not have knowledge that it exist. This problem is a huge negative impact on my life.

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 2020-06-25
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to LVNV Funding who is a debt buyer in XX/XX/2016. LVNV Funding hired a collector by the name of XXXX XXXX XXXX to try and collect the debt. XXXX XXXX XXXX sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: MO
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:
I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at Equifax, XXXX, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 Equigax, XXXX, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.

Company response to consumer: Closed with explanation