BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under XXXX XXXX XXXX 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 2018-02-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency contacted me last year in XX/XX/2017 about a account in with XXXX in my name. I sent a dispute and because they couldnt verify it was mine with a contract signature they deleted the collection off my account and sent the debt back to XXXX. XXXX sent me a letter apologizing saying I didnt owe the debt but then in XX/XX/XXXX sold the debt again to another collection agency. I called them told them it was fraud I sent a dispute validation letter and all they sent me was a bill. The account isnt mine and this is showing negatively on my credit report preventing me from closing on my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment to XXXX XXXX. XXXX  creditor, upon the completion of the payment I was not informed, that my limit was decreased, and the payment I made was set to arrive even though the week upon it being cleared. I called to check rather my payment was processed XX/XX/XXXX, and the associate told me it woukd clear the XXXX. I called theXX/XX/XXXX and they told me the credit limit was decreased and there was a problem with the payment. XXXX XXXX took the money out of my accout for the payment even though they were given a payment, but didn't inform the account holder of the update about the status of the account being payed-off, nor if the payment cleared. The payment was processed, I do not have the money in my account, the limit was decreased and I wasn't informed, and the payment was set to arrive even though I was not informed of the account status upon the completion of the payment cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
On XXXX XXXX 2017 Kohl's/Capital One pulled my XXXX credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from Kohl 's. On XXXX XXXX 2017 I sent a letter to XXXX ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX 2017 I received a fresh report from XXXX ( Report number:XXXX Dated XXXX XXXX 2017 ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX 2017 at approximately XXXX EDT I called Kohl 's Credit Department at XXXX. Their automated system confirmed that my SSN was not  in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with XXXX. Of course, I informed her I had already done so and they had referred me back to Kohl 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in Kohl 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on Kohl 's part. However, I still need Kohl 's to correct their error and remove this erroneous inquiry from my XXXX  credit report so that future creditors will receive an accurate picture of my financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 TransUnion on 3 different occasion to fix some unverified accounts on my credit report ... I will attached the 3 letters which will correspond with the dates Ive attempted to fix the problem .... TransUnion refuse to fix the problem ....

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 2018-12-01
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
The loan Depot pre-approved and also submitted a letter of commitment to the buyers of my home to give them the home loan. I went through my process found myself another home moved all of my belongings out of my house and into a storage facility to which I am paying {$200.00} a month on. We were due to close this past Friday. I was contacted on the day of closing that they would not fulfill their agreement because they discovered that the buyers had a credit card bill that they missed in there investigation of their finances. I tried contacting them and discussing the situation with them to which they were very rude and basically said I'm sorry for you and hung up on me. This has left the buyers of my home completely distraught because of their lack of professionalism and I myself and living at my son 's house, paying for storage for my belongings and I will probably lose the house that I was going to purchase. Not only that this is affect the people I was purchasing from. I truly don't understand how they can possibly get an A+ rating for treating people this way. It was their fault they missed it yet the buyers of my home myself and the sellers of the home I was hoping to get or all and despair wondering what to do. The buyers of my home are so upset they don't even want to pursue another loan through someone else they just want to be done with it so now I have to put it back on the market spend more money on storage living with my son all because of this. I have absolutely every plan to take legal action. I will not just lay down and be treated like this. I would like to see this XXXX XXXX fix their mistake bye XXXX up the {$4000.00} in credit that their client had that they missed and giving the client the loan for their home so that we could all move on. They can afford it it was their mistake and we should not have to deal with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 XXXX, Equifax, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-07-23
Company: EQUIFAX, INC.
State: FL
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:
XXXX  or Equifax are refusing to respond to my 3 previous dispute letters. I have sent them evidence and proof of all issues and they so not respond or update my report to reflect the accurate information. I have requested my updated and corrected credit report and they do not compliy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....

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 2022-01-25
Company: Experian Information Solutions Inc.
State: RI
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 recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Fair credit reporting act XXXX XXXX XXXX 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 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 2020-01-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX I received a settlement letter to settle and payoff a credit account with Barclays if payment is received by XX/XX/2019 from their attorney. The amount was paid in full on XX/XX/2019 as stated in the letter. The letter stated that it would be fully compromised and settled. 
The letter I paid and settled and account with the attorney as agreed. I sent a request to the credit reporting agency to update the file and on 2 occasions they return at report stating that there was a remaining balance of {$540.00}. It was reported XX/XX/2019, XX/XX/2019 and again in XX/XX/2019. 
The legal document states that the account would be fully settled and compromised. Meaning there would not be a balance owed. Submitted the request to the credit reporting agency has resulted in no change and basically a repeated inaccurate report resent. Reports are supposed to be accurate and I have continued to receive an inaccurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made 2 purchases from XXXX and used Paypal to pay. One was for {$140.00} and another one for {$60.00}. My total amount paid was {$200.00}. Ive received used shoes so I returned the shoes. XXXX claimed to have returned the full amount but Paypal paid me {$60.00} on XX/XX/XXXX and another {$88.00} on XX/XX/XXXX and I still havent received the remaining {$60.00} because they claimed they have already paid. Ive received countless emails from Paypal with different reasons and excuses, but I have not received the full refund yet and XXXX claimed they paid the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
State: SC
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 a discover account the reflecting 4 late payments the account is paid in full an I would like these removed so that I can have my 100 % payment history that I earned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Sent information to put credit freeze on my report all they did was to remove my name from pre approved list, called the phone numbers given on the website but unable to get a real person. Company refused to initiate freeze online even though i answered all their questions correctly. 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bank, and XXXX card. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXX old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also handicap with an intellectual XXXX and communication disorder. I read at a XXXX grade level often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : Experian XXXX  XXXX   XXXX XXXX XXXX  XXXX Thank you for your 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 2018-12-01
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: Public record information inaccurate

Complaint:
On XX/XX/2018 at XXXX XXXX I spoke with a representative from XXXX  regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.

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 2018-12-01
Company: Experian Information Solutions Inc.
State: AZ
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 Experian on 3 different occassions and they have responded to verify and not sent me the proper document to show that im the owner of those account .... I have received nothing to show the the account have been properly verified ... ..

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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a loan from the SBA on XX/XX/2021 for XXXX with an interest rate of 3.75 %. I was approved after meeting all requirements and sending all information requested. I used my capital one account ( even though I have others ) to fund the loan. Capital One immediately froze my account and told me they are closing all my checking and savings accounts and no longer doing business with me. But they have the audacity to keep open my 4 credit cards! That I will most definitely close once this is resolved. To be honest it made me feel like I did something wrong and I didnt like the feeling. After many calls to capital one they have basically told me to stop calling that it would not speed up the investigation. No details of why this is happening and no timeline, like this is the first time this has occurred.

Now going into the 3rd week no response from capital one and the loan incurring interest in said frozen account. Ive contacted SBA but they cant do anything until the funds are sent back. 
Its asking for documents but since I dont know capital ones issue with the funds I dont know what to upload

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, transunion and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing

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 2020-01-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  Equifax XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!

Company response to consumer: Closed with non-monetary relief