BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
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: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2018 XXXX XXXX PULLED MY CREDIT REPORT FROM EXPERIAN. I CONTACED XXXX XXXXAND I SPOKED TO BRANCH MANAGER XXXX XXXX PHONE XXXX-XXXX-XXXX AND HIS TEAM REQUESTED FROM EXPERIAN TO REMOVED THE INQUIRY FROM MY REPORT AT THE TIME ICONTACT EXPERIAN AND SPOKED TO A SUPERVISOR HIS NAME IS XXXX NO IDEA # GIVEN BY NO LAST NAME BESIED HE REFUSED TO GIVE ME ANY INFORMATION AND HE WAS ROUDE. 
THANK YOU, 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 non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am currently disputing an unverified account with Trans Union that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Trans Union is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I see multiple 30-60 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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile

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 2021-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is XXXX XXXX XXXX. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX   services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however experian doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Disputed in writing XX/XX/2022 via first class mail to all CRA regarding the accounts and they failed to repsond.

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 2020-05-02
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:
To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my XXXX XXXX card they had no problem with it but told me experian put a credit card freeze or fraud alert past few days i been trying to call experian for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want experian to take off anything they have frozen on my account and confirm that with me and XXXX XXXX as soon as possible. I'm look at experian online and they have all my numbers and everything. XXXX XXXX is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.

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 2020-05-02
Company: Army and Air Force Exchange Service
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised while I was incarcerated and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX {$290.00}, ( 4 ) XXXX XXXX XXXX   {$250.00}

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 2019-05-03
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since I open my new account with PNC BANK .. in XX/XX/2019. I had problems..first I deposit XXXX in cash, but when I when in person 3 or 4 times and call the corporate number a couple of times they made up a story. Stating that I deposit XXXX. Second, I try to prink out statements but this bank do not give you a full detail statement.. they only show the balance.. which is not how banking supposed to work.. please help I report them to people who promise that they would call back and they never do.. I just want my money back that PNC BANK stole ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Account information incorrect

Complaint:
I have had two problems with Experian. I froze my credit as I was impacted by the XXXX breech. Their website that allows for removal of the freeze did not work for a month. I finally gave up and removed the freeze by mail which took another 2 months. This week starting on XX/XX/XXXX I attempted to dispute an erroneous {$95.00} collection from a collection agency for XXXX XXXX that appeared on my report on XX/XX/XXXX that was incorrect as it appeared 2 years after we moved without a single correspondence from XXXX XXXX who had our forwarding address. It turns out that we received a refund check for {$95.00} for overpayment of a gas bill in XXXX of XXXX. Someone at XXXX XXXX erroneously billed us for the same {$95.00} in XXXX of XXXX. I am in process of receiving the documentation from XXXX XXXX. I registered a dispute with XXXX and XXXX with their online website without a problem. Experians dispute center has been down for 4 days and you cant get to them by phone. This issue has trashed my XXXX credit score and Experian Is standing in the way of a mortgage approval. This is a terribly run company. Why have they not been shuttered given the millions of complaints against them. I am a XXXX on a Bank in XXXX and the Federal Reserve and the FDIC would have removed management and the Board if we had this number of consumer complaints. Please do what right and hold this company responsible for its terrible record in serving the public.

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: CT
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 contacted JP Morgan Chase as well as XXXX Credit Reporting about a Chase Credit Card that I closed in XXXX of 2018. For some reason, on XXXX ONLY ( out of all 3 credit bureaus ) XXXX is reporting that I have 3 Chase Credit Card Accounts. TWO OF THOSE  supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. 

Despite my making disputes with both CHASE and XXXX, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH CHASE BANK AND XXXX  IF NECESSARY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
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: Information belongs to someone else

Complaint:
My identity has been compromised while I was XXXX and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX  XXXX {$290.00}, ( 4 ) XXXXt XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BB&T CORPORATION
State: VA
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:
BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/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 2020-05-02
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started a loan rehabilitation program with a company called XXXX which has my student loan now, the payments started in XX/XX/2019, I made XXXX payments to the company and was told that my tax return would not be taken again this year ( off set ) I only received a {$980.00} federal tax return and was supposed to get XXXX in state but the dept of education took the {$980.00} and I still dont know what happen to the state return. Is there anything I can do to get my federal tax return back?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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: Information belongs to someone else

Complaint:
The following accounts do not belong to me nor do I have any knowledge of them whatsoever. I been a victim of identity theft and this is the aftermath of my reality. I'm demanding that the 3 major credit bureaus remove these unauthorized accounts from my credit data. The following accounts are, [ 1 ] XXXX XXXX, [ 2 ] XXXX {$760.00}, [ 3 ] XXXX XXXX {$53.00}, [ 4 ] XXXX {$53.00}, [ 5 ] XXXX XXXX {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to The CBE Group months ago that the debt was not correct and that XXXX XXXX ( XXXX ) took it back and wrote it off, asked them to stop calling me and to contact the originator of the debt to verify. This is after several months of back and forth with them and XXXX and many hours of calls and frustrating conversations. They called again today, rude and harassing in tone, threatening to call repeatedly even after I told them to never call me again, and that I had already requested no contact. The agent, XXXX, told me that XXXX sent the bill to them again a few days ago, so they ignored my request for no contact and contacted me because it was sent new. He grew very angry in our conversation and eventually hung up on me after implying threats against my credit and further harassment. I contacted a supervisor to complain against XXXX, they informed me that I was on the no contact list and that this was unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX XXXX {$18000.00}

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

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 2020-05-02
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX CR UNION Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/XXXX. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
error transunion failed to report the right usage when I applied for a loan so of course that made my score off transunion is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit 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 2019-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
error XXXX failed to report the right usage when I applied for a loan so of course that made my score off XXXX is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected

Company response to consumer: Closed with explanation