BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am asking for the 5th time can Transunion and XXXX  please correct the Phone Number on my Fraud alert. The number they showing is some number that i never had, this is how i have so much Identity theft on my report Please Transunion and XXXX   update my phone number to XXXX that is my correct number.

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 2023-02-23
Company: Genpact Limited
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has sent an unbelievable amount of mail. I don't want to get into the amounts as I'm not sure from what they have sent if they are legitimate. 

I have sent them a CFPB Debt Validation letter. That was on XX/XX/2022. It looks like part of what they are trying to collect is for my XXXX. My husband has the entire hospital report and is going through it. Someone who knows what department would contact him about the matter to answer any questions, but after about a month, he hasn't heard from anyone. When he calls, well it's being worked on. There are other issues too. My husband ( XXXX ), they'll know his name, also has a couple with this company. Both of them were final demands for {$25.00}. I guess for a Copay maybe? You know, that you pay before you see the Dr ? They mainly use XXXX XXXX numbers. However, I've done some research. 

They utilize several addresses and a mess off XXXX 's. They are ultimately owned by Genpact, who is a multinational, mainly XXXX XXXXXXXX XXXX They do have a specialty in XXXX  driven collections. Just throwing that out there.

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 2021-06-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a collections account on my credit report, it belongs to my son, we have the same name, it is for progressive insurance, Ive never had progressive, I called the collection agency, they confirmed its not me. Experians investigation is lousy, they see the name and assume its me, once i gave the collection agency my birthdate, they told me its not my account, why is experian being so lazy, please assist me with experian, Im trying to refinance my house and that collection account is hurting 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 non-monetary relief
Consumer complaint received 2019-07-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have spoken to PenFed several times about reducing the interest on my Promise Visa credit card and they refuse - even though I have a credit score of approximately 750. I have even offered to convert the card to their Gold Visa product, which has an inherently lower rate, and they still refuse. They say I have to apply for a totally new account, which would require me to add a new account to my credit, tarnishing my report, while also losing the history on my Promise Visa, further harming my report. They can, and should, simply lower the rate on my existing product. The rate on the card was quite low when I got it and has been adjusted upward due to the prime rate - which I understand is out of their control. That said, they should be reviewing accounts to determine whether the margin they add to the prime rate can be reduced for customer who have a perfect payment history with them and have never exceeded their limit. I would like to see my interest reduced to the 13 - 14 % range and feel that this is realistic based on the very positive relationship I have had with PenFed.

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 2021-06-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/2020 I filed a bankruptcy which was dismissed on XX/XX/2020. However XXXX XXXX obtained the information and have sent it to all 3 credit bureaus. I have sent multiple letters requesting validation and asking for it to be removed. Experian continues to update the information as current when it needs to be completed removed because it was dismissed it never happened.

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 2023-09-07
Company: EQUIFAX, INC.
State: MI
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:
Dear Sir/Madam, I am writing to dispute the inclusion of a credit account associated with XXXX XXXX  ACCOUNT # : XXXX on my credit report. I was only an authorized user on this account it doesn't belong to me. I did not provide consent for its reporting, as stipulated by 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 
I request the immediate removal of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness and preventing me from pursuing financial opportunities such as securing a new car, obtaining a loan, or purchasing a home. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of this investigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
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 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 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XXXX and XX/XX/XXXX, my account was closed because of fraud on my checking account associated with Bank of America. I was unaware of the fraud immediately, but when I became aware that my statement was inaccurate, I locked the account and it took more than a month to resolve the fraud because I had to come into the office in person. When I did we realized that in the process of getting this resolved I had missed a credit card payment. The only payment I had ever missed with Bank of America. They reversed the fee right away and I moved on from the incident. Now I am looking to buy a house and all three credit bureaus show that I have a 30 day late payment on my account. I tried to resolve this in XXXX of XXXX and never heard back from Bank of America and the credit bureaus never XXXX XXXX Bank of America as well. I called again on XX/XX/XXXX and they apologized that the information entered in XXXX was inaccurate. I was told they could fax me a credit dispute letter within XXXX hours and that I was all set. I called after XXXX hours because no fax had been received. During this call I was told that the XX/XX/XXXX call was also inaccurate and that instead my case is being considered by their review team and that it would take XXXX business days before they would even have a resolution and that I would have to call them to check on the status or else I could wait another XXXX weeks for the letter to arrive in the mail. 

Countless times I have asked what I did wrong or why I need to prove that I deserve this to come off my credit report when I was the victim and the only answer I have received is that if I setup autopayment it will show I am committed to not letting this happen again. I just want to buy my first home and I worry that I will be out thousands of dollars for Bank of America 's mistake.

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 2023-02-23
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: 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 3 credit bureaus 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 XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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 was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown XXXX that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with XXXX and Experian. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.

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 2023-09-07
Company: EQUIFAX, INC.
State: MI
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:
Dear XXXX, I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXXXXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit reports and noticed that on my XXXX credit report that my score had dropped because of a collection from this company. I have NEVER received ANY information regarding this debt. No letters, no telephone call, NO communications, it was placed onto my credit profile. This debt was for XXXX XXXX XXXX in North Carolina. At that time, I had XXXX XXXX XXXX and my insurance paid the balances. I do NOT have any other collections items on my credit profile and was SHOCKED when I learned of this inaccurate information. 

I can not get ANY sort of validation or PROOF of said debt, and it appears it has been " sold '' to someone from XXXX XXXX. I do not have an issue paying the debt of {$200.00} IF it is valid. HOWEVER, I can not find a contract the I SIGNED saying that I owe ANY monies to Lockhart, Morris, and Montgomery. Therefore this debt is INVALID I want this bogus collection account removed from ALL of my credit profile IMMEDIATELY or I will seek further legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually belong to 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 non-monetary relief
Consumer complaint received 2022-06-02
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: Account information incorrect

Complaint:
I made settlement arrangement with XXXX XXXX XXXX  and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with TransUnion XXXX XXXX not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.

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 2021-12-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: Experian Information Solutions Inc.
State: NC
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've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to Experian disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to XXXX. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.

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 2019-07-28
Company: R.M. Galicia, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) enforced by the Federal Trade Commission ( FTC ) and the New York State Debt Collection Procedures Law Im filing this formal complaint against Progressive Management Systems of California. 

Progressive Management Systems ( PMS ) made no attempt to contact me via mail nor phone to collect a debt from me. Instead they reported a collection account on my credit report and since I have been a victim of several corporate data breachs I receive FREE credit monitoring. I received an alert that a collection account was reported on my credit report. 

I immediately XXXX  the company name in the credit report monitoring alert and wrote them a letter. I went to use my XXXX XXXX card and was extremely embarrassed when the Cashier told me my charge had been declined. I immediately called XXXX XXXX to learn that they had reduced my credit line. Losing {$20000.00} of available business credit has severely impacted the cash flow management of my business because of this error reported by PMS on my personal credit report. Ive had an XXXX XXXX credit card since XXXX and this is how they repay me for 20 years of customer loyalty never missing a payment. Well, when all of this is over XXXX XXXX has lost a loyal customer and I will complain about them on all my social media and close my credit cards with them. 

I am not financially responsible for paying this debt to PMS. XXXX XXXX Hospital was notified of this in XXXX by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX when they sent billing to me and gave my account to XXXX XXXX XXXX to collect the debt. The hospital had what still is my current mailing address. Instead of PMS contacting me via mail and me telling them Im not financially responsible for this debt theyve taken actions that have severe ripple effects on my business financially. Im currently applying for a loan and this account is hurting me. I have the money to pay the debt but I shouldnt be coerced into paying a debt that Im not financially responsible for just so creditors like XXXX XXXX wont reduce my credit lines, or raise my interest rates or my lender deny my current real estate mortgage loan application all because of this error on my credit report. 

Im requesting PMS to remove this false reporting on my credit report immediately so I can stop this financial hardship they have caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation