BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion has dropped my credit score some XXXX points. I feel TransUnion should Be investigated for Racist and Discriminatory Practices because if I were A XXXX male my score would be higher. I would like to know how they Come up with a Credit Score. All my accounts are paid on time and yet I have a XXXX Credit Score. I do n't see how they come up with such a low Score unless they give XXXX XXXX Males low Scores. 

Again I want an investigation into their Practices of Discrimination. 

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 explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$510.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This needs to come off my credit report because XXXX took it off my report and updated everything this is something that I had closed with my son so now it 's my son 's responsibility is not linked to me anymore unfortunately TransUnion does n't like to do their job correctly I feel like all the credit report should be aligned as XXXX if XXXX says it was taken off then the other XXXX should say that as well Transunion needs to close this its hurting my 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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours 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 explanation
Consumer complaint received 2021-10-02
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} XXXX  XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 explanation
Consumer complaint received 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Kohls account # XXXX will not close account date closed XX/XX/2016 and remove from my experian credit report. Account is over XXXX XXXX XXXX. I spoke to several times with no outcome of resolving this issue. They continue to report to credit bureau as active account charge off which is incorrect. Also stated they sent my account to a collection agency with no info on that agency to give me. Kohls also stated they have no access to my account but continue to report it to experian. Please resolve my issue promptly thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX and Equifax by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by XXXX that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from Equifax or XXXX. If you look at my overall debt XXXX  has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX XXXX  which I've never heard of and XXXX and Equifax refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The XXXX XXXX XXXX account was paid as agreed and has a XXXX balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BACK IN XXXX OF THIS YEAR ( XXXX  ) WHEN I CHECK MY CREDIT REPORT XXXX MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....

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 2021-11-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BACK IN XXXX  OF THIS YEAR ( 2021 ) WHEN I CHECK MY CREDIT REPORT 2 MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL 3 CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL 3 CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL 3 COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
so last year I had open an account with wells fargo my account was getting hacked I had to open up claims the claims were denied and all my money was gone, I went into the branch to let them know what was going on and come to find out they said that they can no longer due business with me there nothing i can do, I had got a email from XXXX let me know that my social security was out there and that I needed I need to let everybody know I let wells fargo know what happen they still closed my account and said they ca n't do business with me I was so hurt because i really loved wells fargo and i came from wachovia and i never had any problems with wachovia and for wells fargo to just dismiss me after i was hacked says they are not gon na protect me and they do n't protect there customers. after I saw that wells fargo was being sued due to people hacking into people account I let them know that i was hacked and then i was let go they basically said i still ca n't do business with them and theres nothing further they can do and basically i owe them money. wells fargo owes me my money and my name back and I want that they were doing shady business when people back was turn own up to what has been done so i can clear my name I mean its rough when banks do n't believe that its you wen accounts are getting hacked

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 2020-04-08
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over a week ago, I started trying to get my escrow account reverted to me, I was told I could by, XXXX XXXX, and that she advised that I call the escrow department on XX/XX/XXXX to start the procedure. I called on the XXXX XXXX XXXX and I was told that I didn't qualify due to the VA Housing Admin. I waited till Monday and called the VA XXXX in XXXX, Georgia to see if this was the case, especially when they told me that the VA required a 720 credit score, very few veterans could meet that score!! The gentleman at the VA Housing told me that, no that wasn't a VA requirement and absolutely " NO '' the score is too high. I have a recording of the conversation with the VA Housing and also the information that he emailed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express on XX/XX/22 responded to my CFPB complaint stating they discriminated against me and wont offer me credit due to their policy. The fraudulent representation of facts of informed use of credit, I was given false and misleading Information, willingly and knowingly which is a crime. A national bank cant extend its own credit only the consumers credit. As I in good faith extended my credit to acquire money on credit via American Express Gold card as my right as a consumer from American Express primarily for personal, family, or household purposes. Reasons stated for the discrimination were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX still wrongfully reporting my account as past due.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code

1681 ( b ) ( FCRA ). I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter to Equifax out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, XXXX XXXX On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Check City Partnership, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was looking for a loan online and to find out these 3 company said I still owe them. I haven't applied with any of them in 10-15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Chase Auto reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative

Company response to consumer: Closed with explanation