BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.

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 2017-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my credit card with bank of America was stolen in XXXX XXXX my card ending XXXX there was XXXX charges on my account that i did not make the rep with bank of America did n't file my claim correctly on the card being stolen and my claim was closed because there was nothing put in my claim that my card was stolen for these charges too be properly investigated they did send me a new card out with a new account number ending in XXXX i have tryed too many times too get my claim corrected too try too get the money back on my account with nobody seeming too know how too correct my claim and get this resolved and wanting too do what ever i can too get this corrected and resolve the totaled amount in question is {$790.00} on theses charges

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 monetary relief
Consumer complaint received 2020-05-18
Company: Santander Consumer USA 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 think a fair resolution to my issue is to remove my account I've paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late XXXX of 2017 to XXXX and XXXX but yet stating I paid on time to XXXX  i don't understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I've learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus i would like absolutely no ties with this Company thank you. 

I sent out sent out a dispute letter trying to get this resolved but they responded with a screenshot this does not help my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} CrediXXXX limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )

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 2017-12-22
Company: CORELOGIC INC
State: CT
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 hard credit inquiries on the same day by the same company

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 2017-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX XXXX of age citizen of the United States a victim of identity theft would like to make a complaint that I made an attempt to dispute items off my credit report due to identity theft and the credit agenciesrefused to delete and consider the FAIR CREDIT REPORTING ACT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) 611FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU CALIFORNIA CONSUMER CREDIT LAWS My desired outcome would be for this credit agency to delete inaccurate accounts that I did not open & stop asking for additional paperwork when iv'e already provided all documentation concerning my claim and proof of my claim. COPY OF ID, SSN, AFFIDAVIT IDENITY THEFY NOTORIZED, FCT REPORT POLICE REPORT AND THEY STLL WOULD NOT DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. XXXX  has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.

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 2017-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )

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 2017-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed 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 2017-08-07
Company: John C. Heath, Attorney at Law, PLLC
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 paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: Old information reappears or never goes away

Complaint:
I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XX/XX/XXXX school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. XXXX law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.

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 2017-12-22
Company: NAVY FEDERAL CREDIT UNION
State: HI
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:
In their response to my complaint # XXXX Navy Federal Credit Union stated that they removed my name from account # XXXX on XXXX XXXX, XXXX as an additional card holder and notified all XXXX nationwide credit reporting agencies on XXXX XXXX, XXXX, which includes XXXX to update their information to reflect this new information. However, because my credit report from XXXX did not get updated as of XXXX XXXX, XXXX, I called XXXX to find out why and they told me that they have not received any communication from Navy Federal Credit Union. I was told that information by XXXX different persons at XXXX on the same day. My husband also tried to call the contact person from Navy Federal Credit Union mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX, XXXX my husband spoke to a credit card servicing agent at Navy Federal Credit Union to discuss the conflict between what they reported in their response to my complaint and what XXXX  was reporting to me and they stated they would re-submit to XXXX the updated information and notify my husband when that was done. There has been no response from them as yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Since XX/XX/XXXX I made a wire transfer at BECU bank in Washington XXXX for the scholarship of my sister, but before that, I went to the Bank for information about the transfer, the teller gave me what I was not supposed to miss in my process such as : Receiver 's name, the bank name, and the right Bank account, I did all of them without error, and the transfer fee which was {$35.00}. The amount is {$1500.00}, unfortunately the receiver did not receive any after a month, then I went there they recall and I have to wait until 90 days, I came back 3 months after, they asked to call receiver and tell her to go see her own bank and try solve the problem, she went there they told her they did not receive any money from XXXX. How she can solve a problem if her bank did not receive nothing. I went back there many times but what I am seeing they try to collaborate with XXXX XXXX bank and not to give me bank the money, but it is not going to work, BECU bank will refund my money. I was wondering to know where is money or what is happening to it. First all they said they able to make it but they did not tell they are going to transfer through another bank which is XXXX XXXX. Finally, they told me they could not getting any answer from XXXX XXXX, they dropped the case. I need help to know if you can do something for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  Data Breach left me in financial Rouin and they won't do anything about and Transunion and XXXX are following suit with credit report being all wrong.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been trying for about two months to access my credit freeze account at freeze.transunion.com. I need access to my account so I can unfreeze my credit. 

I have an account and it recognizes my password and shows my proper mailing address but after I continue logging in I get an error message saying that there are technical difficulties. 

I have tried over and over at different times of day for months ; their web site just seems to be completely broken.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2019-08-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2020-07-11
Company: Medical Data Systems, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.

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 2020-12-08
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Pnc bank. A charge came in for {$14.00} then another {$15.00} overdrawing my account by {$29.00}. I had funds in another account that shouldve been used. Pnc chose to transfer only XXXX and XXXX from another account allowing two overdraft fees of {$36.00} totaling {$72.00} to accrue against my checking account. When I recognized the issue, I immediately transferred the money to rectify the shortage. I thought the bank would have provided this courtesy. Instead it appears that the bank is only trying to take money from the customer during a economic hard pressed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: AR
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 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.

Company response to consumer: Closed with explanation