BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: AR
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 

The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as the law requires!

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-09-16
Company: EQUIFAX, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX BANK CARD. The dates were XX/XX/XXXX2020, XXXX2020 XX/XX/XXXX-2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MY XXXX XXXX  credit card was expired. I don ' 't need to renew my credit card. However, the company continue to late charges. I never use the credit card and not owe any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: National Credit Adjusters, LLC
State: WI
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 have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( National Credit Adjusters ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Account status incorrect

Complaint:
I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against Experian. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XX/XX/ 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.

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 2018-09-08
Company: Screening Reports Inc.
State: WI
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/2018 Scrng Reports made a hard inquiry on my XXXX credit report without my authorization. On XX/XX/2018 XXXX  confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what Scrng Reports is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information

Company response to consumer: Untimely response
Consumer complaint received 2019-05-20
Company: Northstar Location Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Northstar Location Services called my sister just now and left a message trying to collect my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 have spoken with Transunion on many different occasion about this account I've sent every document i feel ; like will prove my innocence in every investigation they did steel no help as a consumer I have right under the FCRA which at this point I know for sure this company is not following not one Law on XX/XX/2022 I spoke to a rep in the fraud department XXXX XXXX XXXX who told me out of her on mouth that when they do there investigation they do not ask or recieve any proof of documentation just word of mouth so how is it right for this company to say I owe them anything without any proof no signature ID anything in all my letters I've ask for them to send me some type of proof when they make they decision with there investigation im rush off the phone ignored one rep even hang the phone up in my face this is no way to treat someone who is just trying to prove there innocence I hope this third letter to this CFPB Will get the attention of Transunion and make them do the right thing

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 2018-09-08
Company: FIRST CITIZENS BANCSHARES, INC.
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 status incorrect

Complaint:
My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: General Motors Financial Company, Inc.
State: MN
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 noticed issues with my credit report affecting applications for a mortgage, and an auto loan having to accept a car I did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 at XXXX, I went to the XXXX XXXX ATM on XXXX XXXX in XXXX , Ohio . I put my debit card in the ATM and started my transaction to withdraw {$250.00} cash with a {$2.00} fee for not using my ATM. I went through the whole process and a message came on the screen and said it would give me back my card then my cash would be dispensed. It then gave me back my card and right after that, the whole screen went black and it NEVER dispensed my cash. I waited for about 15 minutes and still nothing. The screen was then black and just said " Check Input Signal- Going to Sleep '' in white letters on the screen. I took a photo of the screen on the ATM so I had proof of what it said. I tried to call XXXX XXXX right after that but they were closed and the message said to call back during normal business hours. So first thing that following Monday when the XXXX XXXX branch opened, I called and spoke to someone at the branch and explained what had happened. The woman explained that they were having problems with the ATM and they had placed a sign on it saying it was down but someone had taken it off and that they had multiple calls about my same issue. They said that they were well aware of the issue and it happened to multiple other customers also. They instructed me to just call my bank and dispute the transaction and that my bank would then contact XXXX XXXX to confirm the issue and verify that I didn't receive funds and it would be credited back to my account. Well I did just that and the money was temporarily credited back to my account. Well I received the letter dated XX/XX/2018 that states that the dispute was denied. So I then contacted the assistant manager at XXXX XXXX who was the person that was handling all of the transactions and problems with the ATM being down. She asked me to email her any information regarding my issue, so I did. In the mean time, I emailed the Fifth Third Dispute Team to appeal the dispute denial. I also was told by Fifth Third that there was no hard copy information that they could give me that they used in their research because it was all done electronic. I also was in contact with XXXX XXXX the assistant manager at XXXX XXXX for updates with her progress. Well 2 days ago I received an email from XXXX XXXX stating that she was told that she was told that she was no longer able to pursue my problem and for me to contact Fifth Third to re-appeal and re-file a dispute for the 3rd time. I am not getting anywhere and I am getting very frustrated with all of this!! I will attach the emails & also photos etc. to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/XXXX I make a purchase of airplane tickets for {$530.00} from XXXX XXXX for a trip to XXXX XXXX that should take a place XX/XX/XXXX to XX/XX/XXXX. Due to COVID19 the flight was canceled. 
I was trying to resolve this issue with XXXX XXXX however, without a success. 
My flight was canceled XX/XX/XXXX and I was issued a Ticket Credit that must be used within 90 days. 
I tried dispute this charge with AMEX twice however, XXXX XX/XX/XXXX I received email that I will be charged a fee despite that flight never took place and I did not received any refund from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: AMERICAN EXPRESS COMPANY
State: OH
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 received 2 emails from American Express one for each credit card account I have with them. The emails stated that my credit line has been decreased. And no real reason for that! So I called AMEX and I got NO CUSTOMER SERVICE or explanation for what happened other than my credit line was reduced. They referred to my XXXX  credit report and other jargon that made no sense. I asked if my credit card account are late or something and they stated that my accounts are in good stating. They offered a posible solution which involved me sending them my tax return information and or making some sort of " one time '' ... .. All jargon to me ... .. when I have been a long time AMEX customer who pays on time! I went on my own and looked at/contacted XXXX  won my credit report with them .... no problem at! Good score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete 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 explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Took out a loan from Citibank in XXXX, I was late, XXXX  bought the loan, Citibank no longer has a student loan division. I paid off the loan in XXXX with XXXX. Citibank is still reporting it as derogatory and no one at Citibank can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of Citibank student loans now. But they have no record on me. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XX/XX/2018 Allied Interstate called 6 times. This is in reference to a XXXX XXXX/XXXX XXXX credit card. 

I have personally reached out to XXXX several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!

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 2022-08-12
Company: EQUIFAX, 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:
There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # XXXXXXXX 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 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 explanation