BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have recently pulled out my credit profile from Experian company. I have found out XXXX or more accounts that are incorrect, I have contacted the credit report company, Experian, to ask them to investigate the incorrect accounts that affect my credit files. But Experian sent out the letter that said " we received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you ''. ( see attachment ), although I have enclosed my government ID and a recent electric bill. The reason I have sent many letters to ask Experian to investigate, because Experian has listed many incorrect items and infomation on my credit report. I can not send XXXX letter to ask Experian to investigate for XXXX or more items that are incorrect. It just does n't make any sense to me to receive this letter from Experian. They Just wanted me to dispute online via their website, and I did. But when I tried to dispute the incorrect account and they did n't let me do it. They said it was investigated for previous disputation. Now I try to access their online result to attach with this letter, but it said the system error ( see attachment ). I 'm not satified that. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchtruly Yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : 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 2022-05-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication

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 2016-05-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I previously submitted disputes with Experian Credit Bureau because they were reporting my mortgage with XXXX XXXX, XXXX as being closed with a {$0.00} balance. My mortgage was opened in XXXX with a variable 30 year rate. I currently make monthly payments of {$570.00}. In XXXX XXXX Experian updated my account, however they made matters worst by changing the account type from mortgage to personal loan. My efforts to correct the new inaccuracy have been unsuccessful. In XXXX XXXX my Bankruptcy was discharged and I hoped that all information would be correctly reported to all XXXX credit bureaus since I verified that XXXX XXXX was notified by the courts. To my surprise, nothing changed. I spoke to XXXX at Experian on XXXX/XXXX/XXXX, she was unable to help me and stated that no supervisors were available. I am desperately attempting to improve my credit and resume a comfortable life. I can not do that if vital information is n't being factored into my FICO score. Good credit is a necessity in life and I 'm being robbed of that opportunity because of the sloppy, inaccurate reporting of Experian. I am only asking that they be forced to do their job. Thank you.

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 2022-05-27
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: MI
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:
Equifax will not let me in my account. Sent them proof of me still cant get in. They dont want to process my dispute. Ive sent what they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I talked with a loan originator on XXXX XXXX, 2016. She did a " Hard '' credit inquiry. The next day I spoke with a different bank and he did a " Hard '' credit inquiry. My middle credit bureau score was reported by Experian. It had dropped XXXX points overnight because of the hard inquiry. This put me in a different loan category causing me to pay more for my mortgage. The second bank told me that legislation required that if you were shopping for a mortgage with different lenders that the bureaus must report the same scores to each for 14 days. I can not find anyone at Experian who will discuss this with 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 2016-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due Diligence from XXXX was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

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 2016-09-01
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan back in XXXX of 2016 and I was making payments but had a change in my finances and told them I cant make the required payment and they continue to call my job everyday when my manager told them they could not contact me here causing me to get in trouble.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX and Transunion are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as citi on my 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 2022-05-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card is a XXXX with Chase Bank. I use it all the time. 
On XX/XX/XXXX my checking account bank, XXXX XXXX, submitted a {$400.00} payment to Chase Bank to apply to my credit card 's balance. Something that is done regularly with no problems. All computer transactions. 
That payment was not posted to my credit card account, a serious matter, I am facing either a double payment of {$400.00}, interest charges if I don't double pay, or possible late fees and adverse effects to my credit score. 
The XXXX XXXX made me a copy of the Transaction detail which I Faxed to a number which was given me by the representative of Chase. 
That was done XXXX times from XX/XX/XXXX to today XX/XX/XXXX and I only received XXXX emails referring to the wrong posting. Nothing about the submittal only that no posting exists on the Chase employees database. 
Something went wrong at Chase Bank between the date my bank submitted my {$400.00} payment and their posting process. Chase is not doing anything about correcting their process and I have no {$400.00} credit on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and discovered a collection account on my Experian report for {$480.00} from the company XXXX XXXX and on my XXXX report for the same dollar amount from the company XXXX XXXX and XXXX. Both of these companies listed the same address. I knew nothing about this collection so I requested validation of the debt via certified mail to XXXX on XXXX/XXXX/15 and XXXX XXXX XXXX XXXX on XXXX/XXXX/15. I have yet to hear a response although the collections are still showing up on my credit reports. I have disputed the information twice with Experian with results stating that the collection remains. I have also disputed the information with XXXX but have not gotten a final response. Even though Experian 's final response is that the collection remains, I still have no idea what this is for or when it occured. The account on my credit report shows this was opened on XXXX and that it 's a medical debt, but I, nor did any member of my family, have any medical appointments or otherwise in XXXX 2015. At the very least, this information is incorrect. I would like to have this information validated and for the information removed from my credit reports until it can be as I have no idea that this is even my debt to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 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 2022-05-27
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX- i have a chime account numbers checking/savings XXXX and tried to link my XXXX XXXX accounts with username XXXX for transfers through XXXX i succeeded but the external account dont appear. they said it was a XXXX  error and to wait an hour. its still like this. by law. XXXX  do this now. signed XXXX of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America, back in XXXX/XX/XX/2017, The atm took My cash and Then gave me an ERROR code stating that there was an issue and I should call the number on the screen. I did that and explained that I put {$100.00} bill in to the ATM but got an error code. 

I was told I had to wait till the bank opened on the following Monday for them to count the money in the machine and credit my account. 

On that Monday I called and they stated that they dont open the machine daily but I would have to wait till Thursday. 

This game went on with Bank of America for WEEKS! I was then told by one of Bank of Americas NASTY reps that I committed FRAUD and must have stuck Paper in the ATM instead of actual money!!!! 

After a MONTH of their investigation it was found that your ATM malfunctioned!!! Nothing I had done wrong .... I was given my money BUT then they turned around and CLOSED my account for Their ATMS issues. 

Which was fine by me because I was fed up at this point. 

Here we are 3 years later ... I am unable to open up a Business checking account with ANY bank ... why ... Because Bank of America listed my account as suspected Fraud!!! 

This needs to be fixed NOW!

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 2022-05-27
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX  I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this

Company response to consumer: Closed with explanation