BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: GA
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:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector XXXX XXXX XXXX Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is the second time XXXX XXXX XXXX has try to suit me without providing proper documentation why midland is sending me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a credit card from XXXX XXXX XXXX opened on XX/XX/2018 under my name from an address I moved out over ten years ago. This card was opened under my name from a very old address and I never open an account with XXXX XXXX XXXX   before. On top of that, whoever is using the account is left the account in bad standing and it's hurting my credit score. Trying to remove the account multiple times, but never heard back from the bank nor the credit bureau.

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 2018-02-15
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15
Company: Transfinancial Companies, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM 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 2018-09-21
Company: Credit Technologies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. Credit Technologies, XXXX XXXX, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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 am still XXXX that Equifax did not put my Positive History from My XXXX XXXXXXXX Account, that was in good standing every since I had it back on my account. 

The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable. 

XXXX and XXXX Still have all of my positive history as it should be. 

They can contact XXXX and XXXX to pull that information in order to put it back on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, 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 sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matters and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and having inaccurate information on my credit report is making the pre approval process very frustrating. Please assist in this matter. It would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Barclay Bank of Delaware in an attempt to settle the debt. They have it marked that is was included in a bankruptcy. I did not follow through with the bankruptcy. I want this cleared up on my credit report as it is hurting my ability to get through life.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

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 2021-07-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
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:
Chex systems is not following the laws of the FCRA, they have decided to leave a fraudulent account on my Chex systems report and the have never provided me with proof bearing my signature proving the fraudulent account with XXXX XXXX. XXXX XXXX has corresponded to me twice stating that they have never received a dispute from Chex systems. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my Chex system report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to Chex systems : I HAVE ALREADY FILED A DISPUTE WITH CHEXSYSTEMS ON THIS ACCOUNT AND ACCORDING TO CHEXSYSTEMS YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF XXXX XXXX  UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM XXXX XXXX STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER CHEXSYSTEMS OR XXXX XXXX IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER XXXX XXXX OR CHEXSYSTEMS IS COMMITTING A CRIME BY CHEXSYSTEMS LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR XXXX XXXX LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.

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 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed Southwest Credit This debt was pursued about another Collection agency XXXX who was unable to prove I owed this The person XXXX sent to get equipment turn cable on at my address I do not slowed this debt the person they hired to pick up there equipment does. I asked for my original signature on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NOTE : This is a problem with Experian, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XXXX of XXXX, I signed up for a XXXX XXXX " XXXX '' Visa credit card. I used the card normally for XXXX years. 

In XXXX of XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XXXX of XXXX, XXXX XXXX had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for XXXX XXXX to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted XXXX XXXX and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, XXXX XXXX marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX  XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and XXXX XXXX ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX  XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about 450. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of the thre bureaus, but not Experian. Experian acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted Experian over the phone, and today signed up for an account on their website so that I could document their refusals. Experian maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
I have contacted this company 8 times in the past two months I made one purchase made one payment for the exact amount they have double billed me the company sees the problem but no one can correct it they have sent me a letter stating they over billed me on XX/XX/18 I continue to get multiple late payment emails my credit card score is showing a delinquent payment on these multiple phone calls they have averaged over thirty minutes per call

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 2021-11-28
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This dept is old. I live in the state of Maryland and any dept over three years can not be collected/requested for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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:
These accounts do not belong to me, please remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: DE
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:
Equifax has some bad information on my report and will not allow me to fix the information. They say there is an installment loan, a student loan and a mortgage, all of which I do not have!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Old information reappears or never goes away

Complaint:
This information with EXPERIAN keeps putting items bac into my report that has already came off XXXX XXXX XXXX XXXX ( XXXXXXXX ) XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX THESE ALREADY CAME OFF MY 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 2021-11-02
Company: Lending Club Corp
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to LENDING CLUB CORPORATION but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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:
I faxed a letter to EQUIFAX last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. To my surprise, a rep named XXXX called me from Equifax asking me what account I am disputing when it clearly shows on my letter which account it was. As I write this letter, this incorrect/invalid account continues to damage my credit file and Equifax doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

Company response to consumer: Closed with non-monetary relief