BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: WI
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:
There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: NC
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 sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX XXXX XXXX  did a random credit check. He has never done this. Unknown manager s name he went to Transunion. .The unknown rep exposed my credit files so XXXX reduced my available credit. From {$1000.00} to {$250.00} and my account has a XXXX balance .He has violated the fair cares act taking adverse action on my account .I have called both places. There's a freeze on my reports. I complained to Transunion they said wait 30 days They were found guilty of Bankruptcy dischagred already. Now this What can I do XXXX said they do random credit checks But it's not fair I'm paying my bills and owe a lot less now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2021-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After I got a call loan officer. 


XXXX, XXXX XXXX New York. My chase account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Problem with personal statement of dispute

Complaint:
My attachments will describe the issues which involve : 1. XXXX  failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.

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 2020-11-23
Company: EQUIFAX, INC.
State: TX
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:
2 months ago I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The synchrony bank amazon prime store card has been charging interest fees without disclosing the correct payment amount to avoid interest fees. I called today to ask where online or on the invoice to determine that amount. I have been paying on time according to the promotional balance information and have been charged interest fees for a year. During my call, the representative from synchrony confirmed there was no way online or looking at the invoice to determine how much should be paid to avoid interest fees. In my opinion this is done specifically for synchrony to mislead consumers. I asked for them to refund all the interest fees and they said they were only to remove for one month. I would like to see the synchrony to remove all interest fees, and to clearly provide what payment is necessary to avoid interest fees online and within their statements.

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 2020-01-23
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:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-07-10
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: NV
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:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.

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 2019-06-17
Company: EQUIFAX, INC.
State: RI
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:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company to pay the debt I owed. We agreed to settle as long as the debt was removed from negatively affecting my report. And it never was. Debt was paid as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX and Portfolio Recovery Associates, LLC ( PRA ) claims they have investigated these complaints and verified the PRA accounts ending in XXXX and XXXX but have not shown full validation by sending a copy of both contracts bearing my wet signature. I have sent multiple letters trying to dispute these accounts but they refuse to remove these items from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Retrieved free annual credit report. Experian created an account for me that I did not want, need, request or desire without my consent. Every other day I've gotten a marketing email. The fine print states the email has important account information -- suggesting its exempt from marketing opt-outs -- while clearly baiting consumers to engage sign up for a service. I have replied half a dozen times to remove/stop/opt out. Each time getting an auto reply stating I've been unsubscribed -- only to get another email two days later. There is no number to call. The email has an account number created by Experian using information I provided to receive my free annual credit report. It was not intended to create an account or be subject to endless unscrupulous marketing. Please investigate this practice and get them to stop. -- - Email Received after half a dozen opt outs ( with confirmations ) below -- - ( Note there is no opt out and the deceptive language used ) You have a free Dark Web scan available We will scan over 600,000 data points on the Dark Web for your SSN, email address and more. Don't you want to know if your info is compromised? Run scan now XXXX XXXX XXXX XXXX XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. Privacy Policy 2021 XXXX XXXX XXXX. FICO is a trademark of XXXX XXXX XXXX. 2021 XXXX, XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US

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 2019-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation