BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: AZ
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 put security freezes on my accounts with XXXX  and Experian  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
XXXX  representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at Experian, and their automated options don't include a solution to my problem. Experian 's online resource, which is the only way that I can contact Experian, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from Experian  from 2017, when the freeze was put in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I have tried disputing a credit card thats on my credit from Bank of America that has been on my credit for 7 years and 1 month now and they still have not removed it I tried disputing with the three credit bureaus but they dont change it or fix it under the fair credit reporting act this should no longer be on my credit after 7 years and I want it removed immediately 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 2023-07-20
Company: Experian Information Solutions Inc.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2020-03-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ( XXXX ) ~XXXX~ XXXX Date XX/XX/2020, Creditor : XXXX, Client account : # XXXX Convergent Account : # XXXX Reduced Balance Amount {$250.00} Amount Owed : {$380.00} Total Balance : {$380.00} Additional Address : XXXX XXXX XXXX  XXXX XXXX, PA XXXX Change Service Requested I called XXXX and the letter is fraudulent. They will also report the company they say.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX XXXX and on XX/XX/XXXX TransUnion reported that i had a missed payment from XXXX XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXXXXXX XXXX has sent the proof that i never received any late payment but its still on my credit report.

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 2022-08-25
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV FUNDING IS reporting a fraudulent account on my credit. The account I am referring to ends in XXXX I have submitted several disputes regarding this account and yet it continues to report on XXXX. Please see the attached FTC report and my driver license and remove this account from my credit profile I am not responsible for this and have no clue why its still reporting on my credit. Please remove this fraud!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: MS
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 XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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: Account status incorrect

Complaint:
Transunion online website doesn't work for me ... has error messages, will not function.In order to dispute with a record I disputed XXXX XXXX  XXXX/ XXXX  account number XXXX by mail. THIS ERRONEOUS ACCOUNT IS SHOWING ON MY FILE WITH ME AS THE OWNER- ( RESPONSIBILITY INDIVIDUAL ) OF THE ACCOUNT.THE ACCOUNT IS NOT MINE! WHAT'S WORSE IS THE ACCOUNT IS SHOWING OVER THE LIMIT AND DESTROYS MY FICO SCORE TO AN UNLOANABLE STATUS. 
Formerly until XX/XX/2018 I was an authorized user on this account, a gift from a family member that I did not want or appreciate.NOW FOR THE ERRORS OF TRANSUNION AND OR XXXX XXXX  my credit is destroyed.This account should have been immediately deleted upon TRANSUNION 'S RECEIPT OF THE DISPUTE ... .BUT NEVER SHOULD HAVE APPEARED ON MY FILE IN THE FIRST PLACE. 
THIS IS NO EXCUSE OTHER THAN INCOMPETENT, IRRESPONSIBLE, UNCONSCIONABLE CREDIT REPORTING BY TRANSUNION AND THEIR CARELESS SUBSCRIBER.

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 2020-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient, erroneously is holding me responsible for loans I never took, from a school ( XXXX College ) I never attended in 2008. XXXX College has confirmed that they have no record of me ever taking any loans this and advised me to deal with Navient directly. Navient, continues to tell me to talk to the school, and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to formally dispute and request the correction of inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To date, I have not received any response from them. Below, I have provided the details of the inaccuracies and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Please remove it from my credit report.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-07-20
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:
THE FOLLOWING ACCOUNTS ARE NOT MINE. 
1 ) XXXX XXXX Partial Acct # XXXX 2 ) XXXX Partial Acct # XXXX .... 
3 ) XXXX XXXX XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
XXXX ) XXXX Partial Acct # XXXX .... 

I DONT KNOW WHATS GOING ON BUT NONE OF THE ACCOUNTS LISTED ARE MINE THEY SHOULD NOT BE ON MY CREDIT REPORT.

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 2022-11-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian Credit Bureau Is reporting XXXX XXXX XXXX - account XXXX. XXXX is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

XXXX XXXX XXXX - account number XXXX is showing on my report that the account was opened XX/XX/2020 with a {$440.00} amount. This is a fraudulent account reporting. I have no knowledge of this account and have not ever done business with this company in any manner. 

XXXX XXXX Is reporting the XXXX XXXX XXXX- no account XXXX. is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

Both companies are also reporting previous addresses and places of employment. This has been a major part in consistent identity theft over the years.

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 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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: Information belongs to someone else

Complaint:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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:
Yesterday XX/XX/2018 I contacted Transunion after receiving my credit report. It currently shows for XXXX during XX/XX/2018 I was over 30days past due on a vehicle that was in XXXX possession due to a mechanical trade in. A mechanical trade in that I still paid the car note on! I spoke to a " supervisor '' at Transunion by the name of XXXX or XXXX, a very rude, narcissistic person that does not appreciate her job by the way. She preceeded to tell me that I have to speak to a special handling department with the finance company to get my issue resolved. I asked what time were they opened she told me they close at XXXX EST. I told her there is no way for me to contact them during hours of operation. She told me she could request for them to call me no matter how many times i told her this will not work because I work and I requested for her to handle this issue through an internal request. She decided to ignore me and here I am still waiting to get this issue resolved!!!

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXXXX/XX/2021

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 2020-03-08
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just found out that there is a collection on my credit report that was reported in XXXX for an old ambulance bill from XXXX with according to my credit report is XXXX XXXX XXXX. That bill was disputed way back in XXXX as to the amount owed and who should have paid it at which time was my medical insurance. To my knowledge this was settled between the two companies and I was not contacted again. 
This was suppose to have been settled and over with way back then. at the time of them opening this account, I had not received any communication from Commonwealth financial system as to dispute anything and should have because I don't owe them and now I find out when I had my credit pull that this is a recent collection and has severely damaged my credit score. I did receive a letter the last of XXXX from this company noting that I owed a XXXX XXXX XXXX  XXXX someone who had purchased the account from the original creditor but the couldn't have because the acct was again to my knowledge taken care of after a dispute back in XXXX and I was no longer contacted my XXXX XXXX XXXX. a the bottom of this letter it says that because of the age of the debt I could no longer be sued for the debt. I know that under the Hippa Law my information should not have been shared, and under the fair credit reporting act this debt from Common Wealth should not have been reported by them as I don't owe them. Georgia statue of limitations is 4 years and In 2016, Congress passed the Medical Debt Relief Act, introduced by Senator XXXX XXXX  ( D-OR ), which is an amendment to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ). If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days. this company also entered the debt under another account number but has the old account number listed. ( is that legal? ) I need help with this please and I want them to validate the debt, as well as take it off my credit report asap until a resolution is accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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