BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX and XXXX XXXX XXXX mortgage made a mistake on the credit report and placed two hard inquires on our credit reports and Transunion will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points. 


XXXX XXXX  from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.

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 2023-06-15
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: MI
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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 have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2022-11-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts is listed below. 
XXXX XXXX Account # : XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2020

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 2020-12-30
Company: Revco Management, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection letter in the mail about a medical debt/charge that I have no recollection or knowledge of the service occuring. The creditor name is XXXX XXXX XXXX XXXX, the creditor account # is XXXX and the service date was on XX/XX/XXXX with a balance of {$2600.00}. I've never been to a XXXX XXXX XXXX XXXX, I haven't lived in XXXX since XXXX and I've been residing in XXXX since XX/XX/XXXX. Somehow there a charge and outstanding balance tied to my name and I think somebody has stolen my identity and use my credentialsfor this medical service and I do not want to be responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX$65000.00} was showing my balance but my incorrect.Call and they states that my account balance was {$0.00} then when I called back they said the account was closed. 

Penfed Displaying account balances inaccurately on many occassions and closed my checking account for reasons not lawful. Made transfers to another institution and it stated the funds were being transferred on that day but later it should another date and on that date XXXX it didnt show up. 

XXXX XXXX XXXX XXXX I was blocked from paying rent using the online portal and now only 2 of my balances have shown up. My balances are not being displayed. And attempts to login hae been denied on many occassions. 

XXXX XXXX XXXX approved for a mortgage and deposit account and then rejected from using services. 

XXXX XXXX approved for a real estate deelopment loan and because of inaccurate information listed in the XXXX XXXX XXXX I was later denied forcing my companies into fiancial hardship. 

XXXX XXXX I did not receive the correct amount mandated by the XXXX XXXX XXXX XXXX. Now my accounts are not showing accurate balances.The also hae denied my the ability to dispute transactions. 


XXXX XXXX XXXX has prevented me from applying for a real estate loan because XXXX XXXX XXXX all of their funds '' XXXX XXXX  approved and denied me for an auto loan but then denied it because of inaccurate information listed in 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 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: In progress
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-09-16
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 
5 U.S.C. 1681 section 602 A.States that i have a right to privacy.

5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 
5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed information with the credit bureaus regarding my account with XXXX XXXX. The account was updated and is now showing as incorrect. It is showing I had over {$9000.00} charged off however, they sold the vehicle at auction and the remaining balance is {$3800.00}. 

The debt was sold to XXXX XXXX and is showing a balance of {$3800.00}. 

I am requesting that this debt be deleted due to being reported inaccurately. If this is not done, I will be contacting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: COMMUNITY REINVESTMENT FUND
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone must have received an SBA loan when I was incarcerated. I was in prison from XXXX. This loan was received and applied for during that time. I sent SBA a copy of my identity theft claim and my proof of incarceration. They are still saying that I owe for this loan. Someone apparently had been receiving SSI benefits as well as filed income tax for federal but not state with a job I've never had. It has been corrected with the IRS and it's still in process with social security, but SBA is just sending me bills although I've sent them this information more than once, and I have called them. I do not owe them anything. I was incarcerated without a break or pause throughout those years. I can not pay this bill and I've only recently been released from prison. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian credit freeze/unfreeze is completely broken. I was able to freeze my credit and received a pin for lifting the freeze. However, during a recent mortgage refinancing application, I could not lift the freeze. I verified my information in multiple ways, but nothing worked. I could not contact a representative online. I could not reach a representative on the phone. I could not get a credit report for myself. Attempts to request an annual credit report failed. The only avenue for lifting the freeze or getting any kind of action is to copy sensitive personal records ( driver 's license, social security card, and utility bill or other proof of address ) and physically mail in a request. This takes multiple days at best, and there is no way to track progress or get updates on credit reporting status. The delays have already cost us $ XXXX because we missed a loan offer window, and further delays may incur additional costs. If Experian is allowed to profit by gathering and controlling my information, it must be far more responsive.

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 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is follow-up to complaint # XXXX. 

Thanks to Citi they sent me the bank statement for the last 6 months. The issue is that the bank statement only shows the total amount was put on hold and returned. It does not detail the amount of each transaction was returned and to who so I can followup and claim my money The bank didnt specify what transaction were returned to XXXX. Only {$11000.00} were deposit from XXXX But there should be XXXX left. I need detailed summary of all returned transactions

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 2023-05-14
Company: Experian Information Solutions Inc.
State: MT
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 complaint is in regards to Experian credit Report # XXXX Dated XX/XX/XXXX. XXXX XXXXXXXX XXXX Account # XXXX. I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, Experian, XXXX, and XXXX, XXXX XXXXXXXX XXXX has verified the information on each of the credit reports. I will attach a copy of a document from Experian showing the account and a copy of the loan history from XXXX XXXXXXXX XXXX. The reporting document from Experian shows that account number XXXX XXXX XXXX XXXX was discharged through bankruptcy XX/XX/XXXX, This XXXX XXXX account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the Experian credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the Experian report shows NOT REPORT ( 3rd Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from XXXX XXXXXXXX XXXX are also in XXXX, Experian, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached XXXX XXXX Bank statement you can see that the information on the Experian report is very INCORRECT, XXXX XXXX has been left out. This credit report is not accurate and is incomplete.

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 2020-12-30
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 have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Fig Tech Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to get a hold of someone at Fig loans to try and fix my credit report. I called several times and got hang up on. I finally sent an email and I still havent heard back yet. Its impossible to get someone on the phone with this company. Everything is done online but when you have an issue you cant get someone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by XXXX and that all information is correct.

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