BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: DISCOVER BANK
State: NC
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 contacted discover today at XXXX EST on XX/XX/2017 and  spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Insurance and Banking agencies use Experian-generated questions to confirm identity. These questions are incorrect and they 've caused me to be locked out of my car insurance account ( a company I 've been with for 30 years ). I 've now spent XXXX5 hours trying to resolve this but : 1. Experian has a phone tag system that leads to nowhere. 
2. I 've tried to get my Credit Report to see if there 's an actual issue, but I 'm unable to. The " system '' informs me to call ExperianXXXX XXXX etc, but ... see XXXX above. 
These companies have far to much power and operate in such a haphazard way. My insurance company said they are receiving MANY calls from customers facing the same dilemma I am.

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 2016-11-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have sent letters and spoke over the phone with Experian Customer Service Reps. I have explained to them that XXXX of the addresses do not and have never belonged to me. I stated to Experian that they are the only credit bureau that is reporting these XXXX addresses that do n't belong to 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 2022-02-25
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: Account information incorrect

Complaint:
There is currently a XXXX XXXX XXXX account that is currently been reported on my credit report incorrectly. The credit report says that this account is 1 year, 3 months and 14 days old and this is false. On my XXXX credit report it says that this account is 7 years old and 8 months old. So, you cant have two credit bureaus reporting different information on the same account and who are getting information from the same creditor. This doesn't make any sense. Kindly investigate and fix the matter urgently

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2016-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs 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 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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( 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 2016-05-02
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: KS
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 no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.

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 2022-09-30
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Other problem getting your report or credit score

Complaint:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

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 2016-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. XXXX Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

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 2016-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went on XXXX and ordered my annual free credit report from all XXXX CRA 's. I reviewed the report from XXXX but the site crashed before I could go on to review the reports from Experian and XXXX. The site then said that I had used up my free report review for the latter XXXX companies. I tried to write to them on their site but after emplaining the problem in the " contact us '' space I was unable to submit the request and received an error message. I would like to review my free reports asap.

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 2022-02-25
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a Vanilla Visa Gift Card via email for online purchases. Somehow the information was stolen and the card was used to purchase gas in a city XXXX miles from me. 

I have tried to file a dispute with customer service, but they do not help. They either hang up or refuse to write down my information correctly. 

The Vanilla Visa gift card provider doesn't care about fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I realized in XXXX after filing my taxes that my identity had been taken as far back as XXXX, I filed a complaint with XXXX, XXXX, FTC, XXXX XXXX XXXX office and had XXXX try to help me clear it. These items are still on my report, they say they are verified and I should provide documentation to show it was not me ... .that is difficult to do, the fact the person who took my identity has the same information that I have, which is me. 
There a cell phone bill and credit cards that have been open in my name and never paid. Unfortunately the companies do n't care if it was you, they only want their money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
Kia finance attempting to collect a Insurance deductible for XXXX XXXX following car accident on XX/XX/22. Car was insured by XXXX, paid in full and residual excess value after meeting XXXX deductible was given to me via direct deposit. Last payment on lease made XX/XX/22 almost XXXX months after accident. Following this XXXX informed me to cease ALL payments to XXXX. 

Kia motor finance calls me daily and hangs up as soon as I answer, no one at XXXX can explain to me why its there, only the amount they think is owed. 

XXXX is attacking my credit illegally and filing the fraudulent deductible balance as a delinquent payment despite no statements saying I am required to make monthly installments on this deductible. I am going to be consulting an attorney and potentially suing for damages as I took a near XXXX point hit. 

XXXX was already sued for $ XXXX for this after my car accident happened. XXXX is handling this matter unprofessionally and in a toxic manner as the only time the harassing caller answered me was to argue and have a toxic harassing attitude. 

I have reported this to XXXX  with no response following the report, and XXXX also fails to respond in a timely manner following internal investigations if they even actually perform XXXX, only returning paperwork saying I owe a deductible. I never signed any paperwork for XXXX products involving insurance through Kia. 

I owe XXXX $ on this lease and the documentation states it, they provided me documentation to literally purchase the totaled car for over XXXX XXXX This makes no sense.

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 2016-10-15
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation