BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: MD
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 been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.

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 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the XXXX XXXX XXXX XXXX of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 information incorrect

Complaint:
Credit reporting agency Transunion has denied to open my dispute even after receiving an official dispute letter ( certified ) from me as the individual. Citing, that I may potentially be using a third party. I called in to explain this to the rep with no prevail, and my dispute has still not been opened.

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 2019-10-21
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I contacted Freedom Debit Relief to inquire about my settlement and also to cancel the program. Before doing that I asked if the settlement with XXXX XXXX XXXX was completed since they took over {$3500.00} from my bank account. The guy on the phone confirmed the settlement was completed and I didn't owe anything to XXXX  XXXX XXXX XXXX then I proceeded to cancel the program. A month later, I contacted XXXX XXXX XXXXXXXX to confirm my credit card was settled and they told me they haven't received any funds from Freedom Debt Relief and the settlement agreement was broken because of that. I contacted Freedom Debt Relief and asked to review the recorded phone conversation from XX/XX/XXXX when I was told the account was settled and asked where was my money. A supervisor reviewed the recorded conversation and confirmed I was told it was settled. Yet, she didn't know why I was told that since according to her they only sent 2 out of the 3 payments and charged me close to {$1000.00} in fees for nothing. When I told her that XXXX  XXXX XXXX said they did not receive any funds, I was told they sent it and they couldn't do anything about it ... .. At the end of the day, I still have the XXXX XXXXXXXX XXXX debt and i'm out {$3600.00}. Is not fair they can get away with this type of fraud while people trust them and believe they will act on their best interest but once you start questioning they don't provide any help. Yet they charged me {$1000.00} for nothing as it seems there was not settlement to begin with. I trust them because they made me believe I couldn't do this on my own and i couldn't settle with the credit card companies. They told me multiple times throughout the program not to speak with any of the credit card companies and it couldn't prevent future settlements. I was never told the settlement with XXXX XXXXXXXX XXXX was not completed and not in place and I was told they would charge me fees once the settlement was completed yet they took they fees already from my account.Then came to find out that they haven't even contacted all my debtors, some of they they sent it to collections agencies. Now I lost {$3500.00} and nobody seems to know where is the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: ERC
State: GA
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 was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2021-04-16
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: Information belongs to someone else

Complaint:
I am having an issue getting fraudulent information Blocked from my credit file. I sent in originally a copy of my police report. There were several Fraudulent accounts and most were blocked but I believe that whatever representative processed the paperwork must of missed one of the fraudulent accounts. This account is with XXXX XXXX act XXXX and XXXX XXXX XXXX XXXX. I am in the process of moving due to the Covid-19 and due to my credit score I am not able to submit an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Have had a XXXX XXXX account with XXXX XXXX for over 5 years. Was only 30 days late one time. Had a credit limit of XXXX originally was {$250.00} and due to good pay history etc have received regular credit line increases. My credit has actually improved in the past 24 months after going through a divorce in XX/XX/XXXX/XX/XX/XXXX. I found out for whatever reason XXXX did a credit review on my account on XX/XX/XXXX and lowered my credit line to {$150.00}! One, why was a review conducted? I have not been late, I did not ask for an increase and I have not purchased lately. Now it made my debt to income ratio closer to 100 %. I do not even understand why they did a credit review. I have other XXXX accounts that are ALL in good standing and I have NEVER missed a payment in almost 5 years. My credit score is actually better than it was when the account was opened. This extreme lowering of my credit line is going to adversely affect my credit score and debt to income ratio!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent off an certified letter to XXXX XXXX to validate an debt. They sent me back an letter stating that the debt was indeed valid however there is no contract showing my signature where i agreed to pay any outstanding balance and they have violated my rights according to the FCRA In accordance with the Fair Credit Reporting act 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 : It 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 explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: KS
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:
Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
Company: EdFinancial Services
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called on XX/XX/XXXX to get information about getting a refund on payments I made toward my student loans since the beginning of the pandemic. The customer service representative started the process of refunding me and reinstating the loan amount I paid toward, but quoted me 5 months to a year for both and said there was no way to get proof sent to my email that the process had started. I understand that tons of people are asking for these refunds, but other servicers have been able to do it much faster AND have a process to see where you might be in the refund/reinstatement process. I'm uncomfortable that there's no way to check to make sure that the refund was actually requested, and I'm also incredibly uncomfortable with the amount of time that my money is going to be up in the air. The customer service person was great, but this is obviously much much bigger than her ; Edfinancial is being dodgy and deceptive, whether they mean to be or not. You also can't get a transcript of an online chat sent to you, which is commonplace for basically every place that offers online chat as an option. All around very disorganized and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a formal complaint that the company NATIONAL CREDIT SYSTEM continues to report misleading, and unverifiable information on my credit report. My first attempt to dispute the validity of this account through the three credit bureaus ( XXXX, XXXX and XXXX ) and NATIONAL CREDIT SYSTEM was on XX/XX/2021. Since then, NATIONAL CREDIT SYSTEMS has not responded to me with verifiable proof. They continuing to report a collection account on my credit report. The account number is # XXXX. They are alleging that I owe {$1100.00}. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. 

They sent me a generic paper showing the balance of the account at {$0.00} owed and on my credit report claims I owe {$1100.00}. They are obviously reporting a fraudulent account. I am not familiar with this account at all. This company has cause me so much XXXX  and financial stress. I am requesting that they delete all my information from their system and stop reporting or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
received a letter from chase that they are closing my business checking and saving account because of unexpected activity! they do not provide any information what are these " unexpected activities '' their decision is causing me big loss of money and time, I have many unused checked I paid for them! how is responsible for these loss? 

If they are closing my account I am entitled to know what did I do wrong exactly! is it dictatorship in this country that they just can say it is what it is, with out providing information? 

I am 100 % that I did not do any " unexpected activities '' and it is a big misunderstanding and if they provide more info there must be an explanation that will fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-28
Company: Chaplain Financial Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: IN
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:
Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between XXXX  and Equifax. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
I tried freezing my credit with Experian out of fear of the recent XXXX security breech a couple of months ago. However, Experian was telling me the information I was providing them was incorrect, when it definitely was not. This got me worried that I might have bad information about me out there, so I wanted to see my credit report from Experian. However, they will not let me access it.

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