BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
State: NY
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:
Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at Equifax XXXX XXXX XXXX they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/XXXX my employment record suspiciously ended up online after a dispute with my employer. I had numerous credit cards taken out in my name, mostly for trinkets and small purchases. I froze all 3 bureau accounts and stopped using credit altogether. On XX/XX/XXXX i went to unfreeze my credit for a car loan and discovered my Experian account was unfrozen and changed to a different, unknown email. There are ( apparently ) fraudulent charges on that report. I called the company, but they would not answer, automatically directing me back to their website account ( which i am locked out of. ) I immediately sent a physical letter, but there has been no response.

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 2019-02-16
Company: CITIBANK, N.A.
State: MD
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 have listed all the complaints in the attached documents. The complaint is about Citibank selling my account to XXXX XXXX XXXX, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS.

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 2022-06-21
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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA, the following accounts have directly violated my rights : XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXXk : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 A also states a consumer reporting agency shall not furnish an account without my written instructions. 15 USC 1666 B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XXXX of 2023 I got emails and text messages saying I got approved for {$10000.00}, {$8000.00}, {$5000.00} etc they even send XXXX I signed i literally put my whole personal information from ssn, bank account and router number address everything. After that I got 30 plus emails saying my email and my information was found on the DARK WEBSITE, DEEP WEB I have a screenshot of the docusign its not that clear it shows my name on it shows a number to call I call someone will answer and hangs up Its to companies one name XXXX XXXX XXXX and the other one called the XXXX XXXX, and upstart loans I honestly think its the same people. They got my information when ever they run bank account numbers and routing number they say the dont do business with XXXX  XXXX they black listed thats when I know its to late my personal information is out there XXXX XXXX XXXXXXXX one I ask how do you know that I have XXXX  XXXX they hang up in my part locked my credit and freeze it as well I still dont know what else to do.

Heres 2 of the emails address XXXX ( XXXX ) XXXX & & XXXX XXXX Upstart XXXX ( XXXX ) XXXX Everyone of these sent documents agreements to on XXXX All ask for personal information from ssn bank account and routing numbers.

The 3 companies said I can go up the loan store and pay fee through cash app, XXXX, XXXX, gift card, etc. thats the fact after I sent the company ( s ) all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is for every consumer who has had heartache in dealing with Capital One card services. Also for any attorney that is willing to take on Capital One as I am searching for legal help. Capital One has not only discriminated against me, but also retaliated against me. The CFPB has not helped me here, but feel free to reach out to me at XXXX with your Capital One stories. Capital One closed a well established Kohls credit card that was XXXX years old due to inactivity. They know what the 10 or more point drop does to our scores. No notice which all other cards lets you know to use them or loose them. They kept the card at {$300.00} limit & would not increase it for 6 years! Capital One knows keeping it low means if I spent {$150.00} that is a 50 % credit utilization and impacts our scores in a quick and negative way. I sent a goodwill letter of intent to Capital One after missing 1 payment. At the time I forgot as I was undergoing an operation at a XXXX treatment facility. Not only would they not forgive it they purposefully did not remove it from my boyfriends credit report for months later damaging his credit score too! To boot they never increased the limit from a meager {$1000.00} knowing how credit utilization will quickly impact our credit scores! When I went to the CFPB Capital One seemed embolden to do more damage. I warned the CFPB Capital One will retaliate & they did. They closed a good standing recently used sister card the Walmart credit card. They damaged my score again & my boyfriends as he was an authorized user too! They denied a credit increase due to not being used enough & when used they then flagged the account humiliating me while out to dine. Then a customer service rep who could not even articulate she understood the reason for my phone call required me to give XXXX my sensitive info like my drivers license! Like I would give Capital One whose recent hack was by a software engineer who stole information relating to millions of customers! Regulators say the bank should have had better protections. What does the CFPB have to say? This is suppose to be a consumer protection entity NOT a corporation protection entity! They retaliated against me & I have the proof all documented through the CFPB here, see for yourself the past complaints & lame responses!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally loaned the car from XXXX XXXX XXXX and they went out of business and sold to XXXX XXXX. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted XXXX XXXX to see why this is happening and only thing they tell me is I can contact XXXX XXXX XXXX. I cant contact XXXX XXXX XXXX because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to XXXX XXXX XXXX because it doesnt allow me to log into their website anymore, its automatically transferred to the XXXX XXXX website.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent out certified letter did not hear anything back

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 2022-06-22
Company: EQUIFAX, INC.
State: GA
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:
Hello Equifax this is a Formal Notice that you have Incomplete, inaccurate, and incorrect information on my Credit Report. 

I have attempted to try to fix this in the past, I will identify the latter in the attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've Disputed this bill multiple times, I've went in and also called in. They first told me they couldn't find the account. I've written into all 3 credit companies stating this account isn't mine. It was removed before and a year later added again. This account should belong to XXXX XXXX NOT XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Their investigation did not fix an error on your report

Complaint:
I disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
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:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with XXXX. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to court in XXXX with my old property management company, XXXX XXXX. I agreed to move, and the case was Sealed by a Judge so it would not impact me moving or appear on my credit report. I was told to use my funds towards moving and last I checked, I had a {$0.00} balance with them. I had no clue this was in collections or on my credit report until XX/XX/XXXX while applying to move to a new location. I reached out to the debt collection company IQ DATA, they would not help. They actually yelled at me and hung up the call without helping me get information on this account. They claimed they sent me a recent letter with the charges but I have yet to receive it almost 2 months later. I've provided proof to XXXX, IQ DATA and the rental company I'm applying to but no one will explain how to get this removed. The companies involved keep saying they have no control over what they report and I need to take it to someone else to get it resolved. 

I've done my own research and according to CA Law, if a Landlord Tenant issue is sealed by the court it can not be reported on your credit. IQ DATA is also adding a lot of interest fees on this account even though that is also supposed to be illegal. I've reached out to the original creditor XXXX XXXX and they also confirmed there is a {$0.00} balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  : {$24000.00} ; XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX XXXX  : $ XXXX Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to Experidan and XXXX, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score had been increasing over the year XXXX  as I paid off credit cards and my line of equity. I worked very hard and at the mid-XXXX  all my credit cards were clear AND by XX/XX/XXXXXXXX  I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX  was XXXX, which is in the excellent range. I checked every month and would see it go up a point or two. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with Experian, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from Experian, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from Experian, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the emerald city. 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS EXPERIAN WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH EXPERIAN, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
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