BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze on Equifax. I need to temporarily lift it. They have put the ability to manage a freeze behind a login, and the web site gives a general error after trying to log in. I tried resetting my password and had the same issue. The site says to call a number to fix it. The number is not being answered. They also have a phone number to call to go through an automated process to manage the freeze, but after a long series of entering info, it also fails without any reason given as to why. 

In summary, they have my credit frozen but are not providing any way to unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am complaining about the Bank of America on XXXX XXXX in XXXX, ct XXXX This bank removed their drive through window service many months ago while NOT providing any handy cap access. I complained about it three times they did not care. 

Now In the midst of this pandemic they still have no drive through service available and I had no choice but to enter the building with people not respecting the 6 foot rule and a snotty lady manager who made a statement that by the time they opened the drive up window this virus would be over with. No tellers were wearing any protective masks and people were lining up in this banks branch. 

They think this is a joke?

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 2022-04-12
Company: EQUIFAX, INC.
State: NJ
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 report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.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 explanation
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
We sold a house in XX/XX/XXXX in the state of Texas. We also filed for bankruptcy in XX/XX/XXXX. 
While the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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 HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2022-09-06
Company: EQUIFAX, 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:
I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX  since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. Transunion also have these inquiries doing this time period on my credit file. I need 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 2022-08-04
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I contacted Wisely about XXXX fraudulent charges made to my card totaling XXXX. These charges were made on XX/XX/XXXX and XX/XX/XXXX and made to XXXX by a person in California and I contacted Wisely on XX/XX/XXXX. I do not have an XXXX account nor their products, nor will I ever, anything XXXX is ridiculously expensive. A breakdown of the charges are attached. When I first contacted Wisely, I was notified that the process and investigation would take 2 week. I would be sent a document to sign and send back, which I did. 3 weeks after my initial contact, I contacted them again since I have heard nothing from Wisely at all. At that time, I was informed that it would take not 2 weeks, but a total of 3 months for the investigation and to get my money back! Every person I have ever spoken to about fraudulent charges got their money back usually within 24 hours, extreme cases were 48 hours. My case is an absurd 3 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

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 2022-09-06
Company: EQUIFAX, INC.
State: NE
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: DISCOVER BANK
State: ME
Product: Credit card
Issue: APR or interest rate

Complaint:
on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Credit Control Corporation submitted an incorrect balance to my credit report in the amount of {$7200.00}. When the dispute was resolved, I called on XX/XX/2020 to set up a payment plan. I was then told by the representative that the notes on my account were not fully updated and she did not want to take a payment. She asked me to call back in 1 week. I asked her to add notes to my account with details on our conversation so my account would not be flagged for collection and she indicated she had done so. I called back on XX/XX/2020 and made a {$50.00} payment to my account. I was told I would receive a statement in the mail and could make payments every month until the balance is paid. On XX/XX/2020 I received an alert that a collection was placed on my credit report ( again ) by Credit Control Corporation for {$2900.00} despite having set up a payment plan and submitting the first payment. I called supervisor XXXX XXXX on XX/XX/2020 and XX/XX/2020. I left voicemail messages both times regarding my account and have not received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting XXXX accounts as having reported a negative status. Because of accounts not reporting a payment status. These accounts are reporting current and or Paid in full on time. 
XXXX XXXX : An approved loan for one day only, on the wrong Car. 
XXXX XXXX : The same situation, a one day loan. 
XXXX XXXX : Reporting Status Current, only open two months. 
XXXX XXXX : Reporting Status Current, Paid and closed after 48 months of timely payments.. 
XXXX Credit Card : Reporting Status Current ( Paid off within 12 months to escape credit fees ), account closed by consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.

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 2020-03-27
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unsolicited contact about a gym membership i don't have. It has gone on for weeks and i have blocked their number but they still contact me. I have called the number and they ask for membership details to verify my information which i do not have because i never had a membership in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2015-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief