BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: IL
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 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 XXXX has me at a score around XXXX. 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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
Four issues : 1 ). Low scores on XXXX ( " Poor '' ), Experian ( " Fair '' ) and XXXX ( " Fair '' ) made it impossible to be approved for refinancing credit card loans. Low scores caused by using credit cards during a period of high medical bills. It is ABSURD and WRONG to be penalized in your numeric-score for using your credit cards up to your approved credit line! 2 ) Accounts reported as being in collections. Insurance paid a fair amount for ambulance services and reports to all three credit bureaus for excessive fees as being in collections have damaged my scores. 3 ). There is no ready way to include in a credit bureau report items being challenged. 4 ) complete lack of transparency in how scores are calculated or even which numeric score is being reported.

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 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I PRESENTED TRANSUNION WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED TRANSUNION TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN TRANSUNION. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX PLEASE CORRECT YOUR RECORDS.

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 2022-09-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I re enrolled on XX/XX/XXXX in the rate reduction program where I have 6 automatic payments come through. Which I electronically agreed to the same day. My first payment of {$430.00} was extracted on XX/XX/XXXX. I get a noticed this last week advising I am 60 days late. HOW is this possible when I have a agreement and the payment is already taken. Now I have a 60 day late payment across all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NM
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 the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2017-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CA
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:
I sent out a letter around XX/XX/XXXX to XXXX, XXXX XXXX and Equifax here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with Equifax two in both of their major breaches in 2017 and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-05
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from a company that I allegedly owed a debt too, which is not the original company that I dealt with. I sent them a certified letter asking them to verify the debt. The letter was mailed on XX/XX/2022 and they signed for it on XX/XX/2022. It has been three months since I have asked them to verify the validity of this debt and there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Midwest Recovery Systems
State: IL
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:
Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. 
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for 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 2022-09-05
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: Personal information incorrect

Complaint:
CFPB + Equifax, I have an unauthorized hard credit inquiry on my credit report I do not recognize and would like to have removed from my credit report. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where it is located on my credit report Please have this unauthorized hard credit inquiry removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Self Financial Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
The address currently reported is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE CORRECT THE ADDRESS AS FOLLOWS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a new complaint. I just got off the phone with the executive offices at Wells Fargo. The representative I spoke with has informed me that my claim was " re-opened, '' and that it was assigned an analyst, but he couldn't tell me anything about the investigation, or why I was never informed of it or of it being closed. He also stated that Wells Fargo would not be issuing any credit to my account pending the analyst reviewing my case. When I asked this person about Reg E, and why those rules were not followed in handling my fraud claim, he couldn't tell me. So, with the information he just gave me, I'd like to recap what I understand Reg E to imply and how WF has not complied with it, and ask what that means for me. Wells Fargo failed to promptly investigate ( or if they did, they certainly didn't inform me of any determination ) ; they failed to complete such an investigation in the 90 days required ; they failed to provide provisional credit while completing their investigation ; they failed to inform me of any such credit ; they failed to inform me of any determination regarding the claim ; they closed my account with a pending investigation in progress ; they closed my account due to overdraft which shouldn't have been a problem to begin with had they complied with error resolution procedures ; they threatened me with credit reporting agencies if I didn't make a deposit ; and now I'm told that they closed the investigation altogether without notifying me of it at all. According to the person I just spoke with, Wells Fargo has no resolution at this time and told me that I would have to wait to find out until Wells Fargo 's analyst makes a determination and that I would receive notice by mail. I would think that someone at the CFPB might take an interest in these violations. If this is consumer protection, than we're in trouble. I have provided all the information, all the documentation needed to resolve this matter and there is no reason that it is not yet completed as far as I can tell. This is completely unfair and what is the point of having these regulations put in place if they do nothing to actually assist consumers in times of dire need like this one? I am attaching the video where I am hypnotized on tape. I could only submit a certain file size so you can't see what happens before or after, or I would have sent the whole thing. Maybe this will convince you all to help 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 2017-06-26
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on or about XXXX XXXX 2017 I received a brochure from XXXX XXXX Master card ( Barclaycard ) Offering me to Upgrade my present XXXX XXXX Master card to a new XXXX XXXX Master card Plus foe an annual fee of {$99.00}. When i called i was told that i did not qualify at this time and to call back in 24 to 48 hours. I called every two days for almost three weeks and was told the same, that i did not qualify. No one could give me a reason why i did not qualify. Frustrated i filled out an application for this new card and a few days later i received the new card. I called Barclaycard to have my balance transfered to my new card and was told i had to pay off this balance of {$1700.00} and would not transfer it to my New XXXX XXXX XXXX. I explained to this manager that i had received a Brochure for an upgrade and was told i did not qualify. My complaint is that if i was able to upgrade all balances would have been transferd with no problem. My FICO is XXXX.My credit is excellent. I still have this brochure with my last four digits printed on it. This is deceptive advertising

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 2017-06-26
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from Paypal. The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another Paypal member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Had accident and was in hospital and later XXXX. PayPal. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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