BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. 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 anyone 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 2019-03-09
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: Didn't receive advertised or promotional terms

Complaint:
Today ( XX/XX/19 ) I was buying a XXXX XXXX ticket online and there was a solicitation for a Gold Skymiles American Express card advertising a future {$200.00} credit for any XXXX purchase. I applied for the card and was approved and I received a prompt asking if I wanted the card number immediately and I answered yes, but then did not receive the number ( which I needed to buy the XXXX ticket ). I then called customer service to try to get a temporary or permanent number and I was passed around to multulple departments and no one could help me. I finally told the representative that I wanted to cancel the card and then I was advised that I would not be eligible for any promotional offers on the card in the future. Unscrupolous/dishonest credit card offer with terrible customer service. American Express has lost me as a customer for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my Equifax that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my Equifax that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX  : XXXX  XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX  that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Information belongs to someone else

Complaint:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

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 2020-11-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Tranuoin agent will not help with remove inquiries

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2023-03-26
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CONVERGENT OUTSOURCING-XXXX-Balance {$1200.00} CONVERGENT OUTSOURCING, INC.-Balance $ XXXXDate Opened : XX/XX/2020 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 2021-08-11
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX  and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX  continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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:
I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON XXXX AND ACCOUNT # XXXX EQUIFAX. 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I routed money to the card, once money was deposited to the card the company place a hold on the funds and a freeze limiting the normal uses usually available for the average card user. This is the second time that the company has taken such measures for the same reason ; reason being suspicious activity in which there is no logical suspicious activity. I presented the company with the name of the sender, the reason the money was sent to the card, my identification documents, and identifying documents for the payment method used. The company remains unresponsive and initial gave no fair reasons as to why such methods was placed. These actions are unfounded and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So Ive been contacted numerous times by Portfolio recovery associates and since XX/XX/2018 and the harassment is nonstop Ive tried to settle the amount but I keep getting called everyday about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Harris & Harris, Ltd.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Every since my identity been compromised i been living an nightmare via my credit file. There's unauthorized accounts on my file, inwhich although closed now it's still part of my file. The over all problem here is that these accounts do not belong to me, therefore I'm demanding that they are removed. 

1. XXXX XXXX XXXX  2. XXXX XXXX 3. 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 2020-11-20
Company: Radius Global Solutions LLC
State: VA
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 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!

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 2022-11-17
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 is missing that should be on the report

Complaint:
CFPB COMPLAINT : XXXX FOLLOW UP On four seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, HORRIBLE... .they just say that the companies are NOT reporting to them over and over. Spoke with each and every missing lender 5 of them on several occasions and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. 
Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my recent XXXX Report Missing accounts FROM EQUIFAX have a RED CHECK MARK next to them. 
7 accounts ... .5 different lenders PLEASE SOMEONE TAKE THE TIME AND ADD THESE ACCOUNTS PLEASE Also attached is a copy of my Drivers license ... front and back and a copy of my social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, 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 information incorrect

Complaint:
I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. 

There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, Equifax, and XXXX  have yet to send ANY correspondence for my requests and completely ignored every letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company was contacted multiple times, along with the original company. I have had fraudulent claims on my credit report thoughput the past few years, and this one is listed as an 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 2018-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!

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 2020-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied and was accepted for a loan from XXXX XXXX. I have the E-Mail confirmation and terms. I lost my job and I am going through legal troubles because of my ex who moved out. The loan was for {$10000.00}. It was supposed to arrive in my account at XXXX XXXX XX/XX/2020. USAA Bank randomly locked me out of my account as I suspect they saw a large amount of money coming in. I was prompted with a phone number to call and clear up any issues. I attempted to do this and the USAA rep told me my account was being investigated for fraud. I immediately became enraged as I had {$2.00} in my checking account and needed to transfer the only {$20.00} in my savings which was supposed to be TOWARDS RENT to my checking account so I could go buy food. Instead USAA froze my Online and Phone access and blocked my phone number from calling their service. Now I am stuck at home with no access to MY bank account where my only {$22.00} and hopefully an incoming loan, if the timing that the loan officer described was correct. Now I have to sit and worry about USAA trying to mess with or take my money from a loan. This is not the first time I have seen a bank do this. If I remember correctly, XXXX XXXX did this and later I got money from a lawsuit because of it. Also XXXX XXXX XXXX in similar but different circumstance with their data charges and rates. Thank you for your help for as the at the moment I am defenseless and fighting for my money to get food. I am going to try to remember to apply for food stamps tonight.

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