BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, and equifax has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent equifax a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to equifax as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring 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 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no knowledge of this account and it does not belong to me. This is a XXXX report 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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: GA
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:
I opened a credit card with Chase and paid the annual fee. Chase closed my credit card before and will not refund the annual fee I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
Jefferson Capital is reporting a debt on my credit file that needs to be removed. I recently looked at my credit and noticed this debt on my file. This account is past the credit reporting limit under the FCRA guidelines and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: ALLY FINANCIAL 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: Was not notified of investigation status or results

Complaint:
I was never late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Payoff process

Complaint:
I have a VISA account with Citi as a result of them being a Costco service provider. I had several issues with their billing and decided I would pay off the account and ultimately close it. I scheduled an electronic payment for XX/XX/2017 based on my statement that paid the stated balance in full. I received the statement for XX/XX/XXXX and there was an interest charge of {$4.00} as of XX/XX/2017. I called and the service rep told me that this was an interest charge on the prior month 's balance. In other words, they are billing me interest even though there is no outstanding balance at the time the interest is being charged.

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 2021-06-25
Company: NCB Management Services Inc.
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are several inquires listed through a company named XXXX XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?

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 2015-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
ATTN : EXPERIAN The FCRA provides that you must inform me as a consumer about negative information that you are about to place on my credit report within 30 days. I have recently received my credit report from Experian, and I am greatly bothered that you have placed several erroneous negative personal information that is being illegally displayed on my personal credit report without the required courtesy of informing me first as provided by law AS I HAVE DISPUTED THE INACCURATE PERSONAL INFORMATION WITH EXPERIAN, YET EXPERIAN IS CONTINUING TO DISPLAY THE FOLLOWING INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INACCURATE ADDRESSING INFORMATION IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? 
I AM NOW DEMANDING THAT EXPERIAN, PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH EXPERIAN HAS BEEN PROVIDED IN REGARDS TO THESE INACCURATE ADDRESS. 

I HAVE NEVER RESIDED AT THESE INACCURATE ADDRESS, SO WHY ARE THEY BEING ASSOCIATED WITH MY PERSONAL CREDIT REPORT? 

INACCUARTE TELEPHONE NUMBERS : XXXX- CELLULAR I HAVE NEVER USED THIS INACCURATE TELEPHONE NUMBER! AND I WOULD LIKE TO KNOW WHY IT IS BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT. 
AT THIS TIME I DO NOT HAVE A TELEPHONE, PLEASE REMOVE THIS INACCURATE TELEPHONE INFORMATION AS SOON AS POSSIBLE. 

INACCURATE EMPLOYMENT INFORMATION BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX XXXX THIS IS INACCURATE PLEASE REMOVE THIS INACCURATE EMPLOYMENT INFORMATION. 

MY EMPLOYMENT INFORMATION SHOULD REFLECT AS FOLLOWS : 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 2016-08-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has agreed to remove any marks on credit reports for debts sold since 2007. XXXX has not removed this account information from my credit report. 

" For all credit-card debts sold since XXXX 2007, court records show, the bank will remove any marks on consumers ' credit report ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I called capital one to remove a late payment that was fraudulent they will not remove it and it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, I requested a student loan consolidation with NelNet XXXX XXXX XXXX. XX/XX/XXXX the consolidation was said to be updated and completed. This update reflected with XXXX and XXXX. However, XXXX reported my consolidated debt of {$47000.00} and also the accts that were to be consolidated, which also totaled {$47000.00}, to appear that I have a total of {$94000.00} in debt with NelNet/ XXXX XXXX XXXX . I began to reach out to both XXXX and Nelnet and both gave conflicting information. Nelnet would tell me that they have sent an update to XXXX to reflect that all individual accounts were consolidated but XXXX would state that they have not received any information from Nelnet. 

Now, XX/XX/XXXX all three bureaus are shows duplicate debts owed as the accounts that were once closed and consolidated are now showing open again. This process is costing my children and I shelter as we can NOT finding suitable housing to live because of this issue. 

Nelnet has made false promises over and over again to resolve issue but yet have done so. I have pleaded with them to correct this issue and have explained that because of their error my family and I are now XXXX. 

No one has helped and this is become emotionally unhealthy for me and my children. 

I am demanding that they remove all closed accounts permanently from all three credit bureaus as they have failed to properly update. 

WE ARE XXXX DUE TO THE NEGLIGENCE OF NELNET/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Their investigation did not fix an error on your report

Complaint:
problem was not resolved

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 2021-06-25
Company: Bread Financial 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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX CREDOT CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.

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 2021-06-24
Company: EQUIFAX, 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:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
State: UT
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 credit card account with Discover was opened XXXX XXXX, XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Discover, via phone, that my bank account on file experience fraud and I had to change the payment account with Discover to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Discover kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Discover. I've reached out to Discover several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Discover should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
When I originally took out a refinance mortgage, XXXX XXXX the underwriter for XXXX XXXX required that I pay some creditors on my credit that did not belong to me. The title company cut checks to each of these creditors. They gave me the checks, when I called the creditors to get mailing address they stated that they did not have an account for me. I explained about them being on my credit reporting and again they stated that there was no where to apply funds because they do not have an account for me. I tried for years to get some one to help me I could not afford an attorney ... .I am XXXX years old XXXX would not help me. I have asked Seterus repeatedly to prove ownership of the loan the copies of the loan docs prior to this transfer, my good faith estimate, my truth in lending document, they will not mail it ... .then stated that it would be XXXX per page ... I agreed but they never sent anything. I am receive XXXX per month, my mortgage is XXXX. I am paying for money that I never received ... .please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX XXXX CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Because Equifax have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Equifax are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is twenty seven times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over 4 hours on the phone with telling the same story over and over again to people who hardly speak English and have no idea about the US postal system. Eventually I had to start all over again for the XXXX time. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Conduent Incorporated
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I have been havjng problems with my social security number. I know im a victim of identity theft. I still haven't heard anything from the first time it almost seems to be getting worse. I am needing some guidance here because people usually cant help me resolve this i always have to get sent to somebody else nobody can help me directly im very aggrevated its affecting my. Personal life its ruint my name as well and now im dicriminnated everywhere i go the crimes are way past illegal i just want my XXXX money but i cant get to my money because of these problems

Company response to consumer: Closed with explanation