BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

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 2023-02-08
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:
EXPERIAN is reporting inaccure account and i will have to fill for an lawsuit for slander defermention of charter. this has cause Financial or emotion damages.

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 2018-11-17
Company: Innovis
State: NY
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:
No knowledge to this report inquiry. 
No permitting to this company to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: STATE FARM BANK, FSB
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years. 

On XX/XX/18 I received a Visa credit card in my wife 's name. 

On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days. 

I can provide a copy of the credit card, account number, and date of expiration if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for an American Express Card and it was never sent our to me for almost 5 weeks. 

When I got the replacement card it never worked. 

I have had numerious issues dealing with the XXXX Call Centre for AMEX and I would like the card cancelled and a full refund applied to for {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: MA
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:
2. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
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 purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

Prestige Financial was the lienholder. I had purchased a Gap policy when I purchased the car. Prestige refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX  Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to Prestige Financial. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to Prestige is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on XXXX as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Financial Credit Service, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX  XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX  XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently changed insurance companies for my home insurance. I have a mortgage and escrow through US Bank. I received a letter stating that I no longer have home insurance and they are going to force place it. There was never a gap, I have had home insurance the entire time but I switched companies.

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 2018-08-14
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and 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 2018-08-14
Company: Experian Information Solutions 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:
After some twenty or more disputes, and Experian responding that the information was verified through their third party vendor, but in all disputes refusing to provide the name of said vendor, regardless of request. In such an independent investigation by a law firm in XXXX VA was conducted, and the problematic issue discovered after years of disputes. 


Experian maintains two separate files on likewise named individuals, they maintain a file on XXXX XXXX XXXX, with social security number XXXX, and a file on XXXX XXXX, XXXX, the name XXXX XXXX maintains an address of XXXX XXXX XXXX, XXXX, SC XXXX, and has indeed filed two separate bankruptcy actions under XXXX. The name of XXXX XXXX which is the consumer of which this complaint applies hasn't filed any such bankruptcy action, but because the third party agent, or entity only verifies the last four, the continual reporting of this account on my report continues. 


In response because actually third party agents or entities are required to perform more, the consumer reached out to Pacers, and XXXX, or which neither had any public record for XXXX XXXX, but indeed had public record for XXXX XXXX, in furtherance neither with a degree required by law could verify or cause such verification of which one that exist on any report, only that the name associated with the social security assigned number of XXXX, assigned to XXXX XXXX didn't have any such public records of bankruptcies.

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 2018-08-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian credit reporting agency did not remove 2 inquiries off my report that are now over 2 years old. The removal date was supposed to be XX/XX/2018. I just viewed my current report and both of them are still on there. I tried to call experian today but was unsuccessful in reaching an agent.

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 2018-03-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/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 2018-06-21
Company: EQUIFAX, INC.
State: MA
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:
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX XXXXXXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: NJ
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:
The credit card company - Chase, keep charging me {$15.00} for when I use my card with a company that does money transfers even though the transaction is a credit card transaction and not a cash advance. This happens even when I use XXXX to pay for services. 

It has happened twice on XXXX where I have paid the fee for a credit card transaction. XXXX has said that even though it is a credit card transaction, and not a cash advance the Chase uses the transaction number to charge a fee. The transaction number is XXXX or XXXX. This is only the category of what the transaction is for and not that it is a cash advance or a charge. It is a description. 

The credit card companies are taking full advantage of this to decide which vendors we can use or not use. That is monopolistic behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a cc with Capital One with a credit limit of {$3000.00}. On XX/XX/XXXX a minimum Capital One cc payment was due. I made a payment of {$1900.00} which they withdrew from my checking account on XX/XX/XXXX. On XX/XX/XXXX my cc was declined for a {$21.00} purchase. I looked up my account on the Capital One website and saw I was being charged a late fee and my cc wasn't credited the {$1900.00}. My cc balance was still {$280000.00} with only {$11.00} of credit remaining. 
I called Capital One customer service and got to speak with a manager, XXXX XXXX. He couldn't find any money that was sent to them, no record of any payments at all. He assured me that all account payments are electronically handled, there is no error. There is a problem. This has happened to me before in the past with Capital One. 
Isn't this called floating? 
XXXX XXXX assured me that all payments are posted and credited the next day, including Saturday. After stating this I asked XXXX XXXX, so where's my credit? Capital One took the money from my account on XX/XX/XXXX, why wasn't it posted on XX/XX/XXXX? He assured me it would post on XX/XX/XXXX. 
Isn't this floating? It's cheating. How many other peoples payments are being floated along with mine? Please stop Capital One from doing this again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: EQUIFAX, 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 status incorrect

Complaint:
The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: NY
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:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Franklin Collection Service, 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: Problem with personal statement of dispute

Complaint:
Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!

Company response to consumer: Closed with explanation