BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
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: Old information reappears or never goes away

Complaint:
I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX for {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

Equifax as well as XXXX both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/XXXX. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been a victim of ID theft. I recently conducted a review of my credit reports, and I noticed a total of 11 UNAUTHORIZED credit inquiries that I find to be problematic. 
I contacted every company listed below over 45 days ago, and asked them to take action to get these inquiries removed from their records, my records and to erase any record of the inquiry with all credit reporting agencies. They did not respond, send me any results and have not complied with my request to take whatever steps necessary to resolve the issue. It is not ok for them to report this inaccurate information on my reports so I decided to contact you just to make sure this gets done.

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 2019-08-24
Company: Nelnet, 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: Was not notified of investigation status or results

Complaint:
I mailed certified letter to Department of Nel net student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Old information reappears or never goes away

Complaint:
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing 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 non-monetary relief
Consumer complaint received 2019-02-20
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 am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/ 2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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 2023-04-16
Company: Incomm Holdings Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I've purchased 5 Vanilla gift cards ( XXXX $ each ) on XXXX of XXXX last year. I tried to use it on different locations. 
After I contacted the company, they open a case no for me. It solved 2 of the cards, but 3 are still not usable, even today. Case still open and pending...

Case no XXXX on VanillaGift

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a certified letter to Experian and XXXX  requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from Experian on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. On XX/XX/XXXX I received a response from XXXX saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to XXXX on XX/XX/XXXX dispute there being a freeze request.

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 2022-12-14
Company: National Credit Systems,Inc.
State: NC
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 copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX  open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX  open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for XXXX different federal student loan accounts with XXXX  & Transunion & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

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 2019-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted Amex on XX/XX/19 to apply for the XXXX XXXX XXXX card. I understand I am not permitted to apply for this card if I had other XXXX cards in the past. I have never applied for any XXXX card in the past. I quickly learned that I was not eligible to receive the 75,000 bonus, despite advertisements as such. I called Amex 3 separate times. I had the call hung up on me 2 of the 3 times. Every representative had no  explanation for me as to why I was denied. I called again on XX/XX/19 and spoke to 5 different agents from different department. They were supervisors and agents and customer service. One representative told me that there are no violations posted on my account and that he does not understand why I would be denied the bonus offer. I was told my another representative that the bonus offer is expired. However, I have friends that recently applied for the same card and was accepted. I spent approximately 1 hour on the phone with Amex on XX/XX/19 to no avail. Each time, I was told they have no explanation why I was denied. I relayed that I believe this was false advertising and a potentially discriminatory practice. Not a single Amex employee had any kind of explanation. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX XXXX XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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 2023-07-07
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I recently obtained a home equity line of credit with BethpageFCU. They do not provide monthly billing statements prior to due date of interest payments on outstanding balances. I contacted their customer service and was told by one of their reps. in the loan area, that they do not provide statements monthly only quarterly. This is outrageous considering they expect payment monthly. Their contract they sent me states the same except they would provide monthly statements where required by law. This seems to be a violation of FACTA considering I can not verify accurate accounting of charges assessed w/out those statements to confirm the interest charged.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-02-20
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 am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.

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 2019-02-20
Company: EQUIFAX, INC.
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:
Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for XXXX XXXX. I called XXXX today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation