BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.

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 2022-07-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please help

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 2017-08-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX/XXXX/XXXX, I called chase to product change a card and the customer service rep changed the wrong card resulting in my accruing less rewards and not having use of the chase travel portal. Chase has delayed the reversal of this change each representative telling me that it would take a different amount of time to see the reversal. I am traveling in 1 day and am unable to use my card for travel as they changed the expiration date on the unwanted card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a free XXXX card that isnt even a credit card it links to your debit card i was denied this card for no resin and have a hard inquiry on my report which is ruining my credit i want it REMOVED ASAP! and want my credit adjusted and the point are added to my score

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is in violation for reporting inaccurate information on my credit report and not following the law specifically 15USC 1681b ( a ) ( 2 ) In regards to these hard inquiries by XXXX XXXX XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2017-08-18
Company: Big Picture Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) originated our loan on XXXX XX/XX/2022. They then sold the loan to Specialized Loan Servicing ( SLS ) on XXXX XX/XX/2022. In the notification letter XXXX XXXX provided, they gave me an old and new account number. 

I have not received any information or communication from SLS and have been unable to contact them. The loan number is incorrect, they have a complete communication firewall unless I have my account information, SSN, or phone number. All 3 options do not register with their system. The first mortgage payment was due 1 XX/XX/2022, and it is currently XXXX XX/XX/2022. XXXX XXXX XXXX  has communicated they they can not contact the new servicer or receive any account information on my behalf, meanwhile, I have no way to contact the new servicer ( seems to be by malicious design ) in order to make my mortgage payment. I have no issues with paying the mortgage, I simply have no method to do so. I'm concerned this new company intends to force the mortgage to be late past the grace period simply to make money on a late fee and am extremely frustrated.

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 2022-07-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My XXXX ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account with Chase today only to be denied citing XXXX as the reason without any other information as to what was the true cause. I have also run my XXXX report and it showed I have nothing there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Department of education/XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.

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 2017-08-18
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The account XXXX XXXXXXXX XXXX  was opened fraudulently and needs to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Department of education/XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from Capital One showing up on XXXX. The next day XX/XX/2022, I called Capital One to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call XXXX and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called XXXX, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call Capital One and tell them that I didnt apply for anything and that Capital One should be able to easily take the inquiry off my report. On XX/XX/2022, I called Capital One again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said Capital One who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called Capital One and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from XXXX in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/17 I discovered I may have been impacted by the Equifax security breach in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.

Company response to consumer: Closed with explanation