BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.

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 2020-06-26
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2020 two medical collection bills were placed on my credit report ( s )  by Commonwealth Finance Co ... .collecting for XXXX of XXXX  County . Without due process ... process to include written notification of the debt and allowing me to dispute and request validation, Commonwealth Finance just went ahead and reported the damaging information to all 3 credit bureaus. 

They are attempting to collect {$430.00} on acct # XXXX and {$430.00} on acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: FIRST ADVANTAGE CORPORATION
State: IL
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:
First Advantage is sending potential employers a background check on someone else. Nothing contained in their report is me. I am losing jobs over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On several occasions I have called Navient in order to better understand my options for repayment and or lowering my interest rate. Today XX/XX/19 I again called because some of my loan percentages were up to 12 %. I am unable to find information as to what the max is for interest. In the past I have been told there is nothing they could do for me, in addition to, suggesting that I have a child in order to lower my payments because of number of dependents! I have been working hard to pay additional amounts to the higher interest loans in order to pay them off. Each time I get close the rate seems to go up! A year ago the highest % rate was at 8 % and now it is at 12!! There is no attempts to assist you in paying off your loans. The customer service people are rude and not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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:
There are two accounts in collections that appeared only on my Equifax report XX/XX/2021. I have verified that neither is my account. One is a power company in New York, where I have never lived or established utilities. The other is for XXXX XXXX XXXXXXXX authority. I have never lived or driven in Texas. 

I confirmed with both companies that they have no accounts in my name either last or present. The tollway collection is under a XXXX XXXX, very similar to my name, but obviously not me. 

The debt collectors say they are unable to provide a letter showing I have no accounts or balances due with them, because they are not my accounts. They suggested Equifax may have reported incorrectly. Equifax is claiming they need letters from them to fix the reporting and that there is nothing they can do. Seems to me to be an Equifax problem since 2 incorrect accounts appeared the same day and only on Equifax report. 

Im in the middle of a mortgage process, this error is going to keep me from closing and is egregious on Equifaxs side. They have the power to literally destroy someones financial future with their mistakes. 

Please help me rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The last 2 months in 2018 of the credit card payment history show that I was late making the payment. I had the payment scheduled for automatic payment from my account but there was an error in the transaction that prevented the payment from going through. I did make the payment in the Kohls store though. Throughout 2018 I made payments on time but the last 2 months I would like removed from my credit report because this has impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: CA
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:
While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: WELLS FARGO & COMPANY
State: MO
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:
On XX/XX/XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

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 2019-01-08
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX  violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX  has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. Wells Fargo didn't provide information within the 30 days as per FCRA which is a direct violation.

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 2020-11-14
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was reviewing my account with Citizens Bank online and noticed that a check was cashed that I did not write for a lot of money. In fact the check that was cashed did not look anything like the checks that I have, it had the wrong address and the signature was not even close to mine. I went in to Citizens Bank in XXXX XXXX, Massachusetts to report the fraud and they had me fill out the paperwork. I was told that it would take 4 to 6 weeks to resolve but usually it takes a lot less. I was also told to report it to the XXXX, MA police department. Over two weeks ago, I went in to talk to the representatives at the branch to get an update and they supposedly escalated it. I went in on Saturday XX/XX/XXXX and all I was told was that it is still in works and they are waiting for the other bank ( XXXX XXXX  ) to respond. It has now been over 6 weeks with no resolution in sight. Any help that you give would be greatly appreciated. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXXXXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me 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 2020-10-12
Company: EQUIFAX, INC.
State: PR
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 below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I request a payment extension, for XX/XX/XXXX and XX/XX/XXXX and they granted. It shows XX/XX/2018 30 days past Due. When I was under the extension for those months. XX/XX/XXXX, XX/XX/XXXX. And pay in XX/XX/2018, which I paid, and also paid XXXX for the extension. Please I need your help.I would really appreciated. I need that past due to remove. It shows in the others credit bureau. Thankyou.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit Report is showing hard credit pull from XXXX XXXX XXXX XXXX on XX/XX/XXXX with following details : XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX, IL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online I have called the number listed, there is no option to speak to anyone without a current credit card number which I do not have. I also tried several of the numbers available on their website XXXX XXXX XXXX including XXXX, XXXX and the " chat with representative '' option. 

The Chat option gives me this error, XXXX XXXX XXXX Due to extremely high volume we've temporarily disabled our CHAT service. Please contact us at XXXX with a brief description of your inquiry and we'll contact you. Please include your full name and best contact number. We apologize for the inconvenience and appreciate your patience. Thank you and be safe, XXXX XXXX And I have found no way to speak to anyone about disputing the hard credit pull, or understanding why it is appearing on my Experian Credit Report. 

When calling the customer service number at XXXX it takes me to represenatives of another service providing offering lending to 1,200 banks but I don't remember the name of that company. They had no record of me or the credit application by my social, name, dob, phone number, etc. 

What is a person supposed to do to get this corrected if all the contact information does not lead to someone who can assist? Feels very back-alley to me and now the hard credit pull remains on my credit for two years ... totally unbelievable.

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 2020-06-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had four credit cards with Citibank for many years. I have always paid my bills on time and never missed a payment. I was extended a good deal of credit over the years ( over $ 15K ) and have used and paid that off several times. Recently, Citibank decided to reduce my credit line with all four of my cards, which in turn affected my credit to debit ratio. They reported the reduction to XXXX, and now my credit/debit ratio is terrible! They took away around $ 12K in credit. I have called several times to ask why and I just get the run around and am told that " we reviewed your credit report and your credit/debit ratio is too high. '' It's only too high because Citibank reduced my credit for no reason. I have a pretty low balance on all cards currently and am still paying them off each month religiously. 
They have also raised my interest rate from 0 % to 23 %. 
This will affect all my other credit on my report and look bad, when in fact I had nothing to do with their decision. 
Please look into this for me. 
I appreciate your help. 
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 2019-09-17
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:
Equifax and XXXX  are reporting incorrectly XXXX XXXX XXXX days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Premier Student Loan Center
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I was enrolled in what I now understand is a scam being perpetuated by Premier Student Loan Center related to federal student loan consolidation and enrollment in repayment plan. Premier Student Loan Center charged me {$240.00} for 4 months ( XX/XX/XXXX- XX/XX/XXXX ) for " enrollment fees '' and has since been charging me {$30.00} per month in re-occurring fees.  The services they provided are all services which I could have received for free and Premier Student Loan Center continues to scam borrowers into paying additional fees by telling consumers that additional repayment plans are available through them. In addition, Premier Student Loan Center gave my loan servicer a false email address for me and it also requested sensitive data, including my FSA information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX Balance : {$1100.00}

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 2022-01-05
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation