BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: ACS Education Services
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: Account status incorrect

Complaint:
ACS ( XXXX XXXX ) is intentionally and fraudulently misreporting information on my credit reports. In XX/XX/XXXX, I noticed that late payments were reporting on a CLOSED account that had an account status of PAID AS AGREED. Those late payments were negatively impacting my credit score so I wanted them investigated. 
It should also be noted, this account has been reporting as PAID and CLOSED since XX/XX/XXXX. 
In XX/XX/XXXX, the result of the dispute was verified AND the ACCOUNT STATUS was fraudulently changed from PAID AS AGREED to PAYS 60-90 days late? How can a PAID AND CLOSED account status be changed to PAYS 60-90 days late, 5 years after the account was closed? 
I initially filed a complaint against XXXX XXXX because I had no idea who ACS was? XXXX XXXX, in fact, confirmed that they never reported ANY account delinquencies to the credit bureaus regarding ANY of MY ACCOUNTS ; supporting documentation attached. However, the account continued to report PAYS 60-90 DAYS LATE so I decided to do additional research on ACS. 
According to XXXX, ACS took over accounts from XXXX XXXX in XX/XX/XXXX which was 3 years AFTER my account was PAID and CLOSED so how could they " verify '' or CHANGE my ACCOUNT STATUS from PAID AS AGREED to PAYS 60-90 DAYS Late? 
This does not make sense therefore I am filing a CFPB complaint against ACS for fraudulent misreporting to the credit bureaus that is NOT in compliance with the METRO 2 Reporting Guidelines and a direct violation of the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
XXXX and XXXX are incorrectly reporting to Equifax and XXXX duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
I have inaccurate information reporting on my credit report, I've contacted the company numerous amounts of times in trying to get this information corrected but still reports the information as verified when the actual creditors don't show the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: AL
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 sent Equifax several disputes about inquiries that I didn't recognize and inquiries that was not account holding inquiries. I requested that they investigate the inaccuracies and delete them but they keep writing back saying that inquiries are factual records. I have wrote several companies with the addresses that Equifax provided but have received return mail back from most of them saying unable to forward or vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Receivable Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing XXXX  Credit Profile. a debt purchased from XXXX XXXX ; Receivables Recovery Se continues to furnish information on credit profile. When rendering services, from XXXX XXXX ; according to insurance all treatment was covered, if out-of-network, the practice didn't make known prior to scheduling. Requesting if a referral for treatment was given and if coverage verified prior to scheduling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Bj 's Membership no - XXXX I had Bj 's perk in-club award - {$20.00} and I spoke to customer service person name - XXXX at XXXX XXXX on XX/XX/2021 to get a check to my home address XXXX XXXX XXXX She ordered check and said it will come to my home in 2 to 4 weeks. But that has not come yet. I spoke to customer service today and spoke to XXXX. He said he could not find any old communication in their system. My rewards also expired now. This is total fraud. They don't have records of customer interaction also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My wife opened a new account with XXXX XXXX at the beginning of XXXX. I noticed on my XXXX XXXX   report that there is a hard inquiry from XXXX XXXX which I did not authorize and is listed further as you see as utilities and fuel. I spoke with their customer solutions department and they too have confirmed that there has been no ties between I and XXXX XXXX including any new or old accounts, they did not have my social security on file nor do they now. They gave me this site to help rectify the problem so it can be removed from my report. Thank you. If you need additional info regarding this please contact me at 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 2021-03-26
Company: GUARANTEED RATE INC.
State: IL
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 reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX  and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
SYNCHRONY BANK I'm filing this complaint on your bank due to the fact that their is error On my credit reports from your company I have disputed this account half dozen time with each of the three reporting agencies and they state that the account is reporting correctly but I beg the differ your company is in violation of the FCRA 623 it states that the creditor must enter that the consumer dispute message when a consumer dispute and you have failed to do so therefore this can not be reported you could be sued for {$1000.00} per credit reporting agencies The law is very clear as to the Civil liability if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. please delete this account from all three reporting agency

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 2020-09-01
Company: National Credit Systems,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:
On XXXX, 2016 NATIONAL CREDIT SYSTEM added derogatory marks on my credit file, per XXXX, upon further research this account was transferred/sold and I am no longer responsible for these accounts. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it's mines. According to the FCRA, NATIONAL CREDIT SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove these accounts immediately. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX  Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
IM A VICTIM OF IDENTITY THEFT.AND I'VE TRIED TO REACH OUT TO CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY. I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE A LIST OF THE FRAUDULENT ACCOUNTS I NEED REMOVED.

FRAUDULENT ACCOUNTS 1 ) KOHLS DEPARTMENT STORE -AMOUNT XXXX -DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX -AMOUNT {$5900.00} -DATE OPENED XXXX/XXXX/XXXX 3 ) XXXX XXXX XXXX XXXX -AMOUNT {$3800.00} -DATE OPENED XX/XX/XXXX 4 ) XXXX XXXX  -AMOUNT {$460.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America

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 2018-04-03
Company: Position One Group
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX  ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.

I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.

One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX   XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.

I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.

XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.

All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.

In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.

I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.

The issue I have is with XXXX XXXXXXXX XXXX  and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MI
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:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this.

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 2018-04-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient keeps calling my parents looking for me and college debt. I didn't borrow for college. I called them on XX/XX/XXXX, and gave them my info. Their reply, you have NO loans. We will take you off the call list. They admitted they get the numbers by XXXX person and city. I asked for confirmation from supervisor. gave them 2 emails addresses. NOTHING. Now they are calling again less than a week later.

FYI. kids college loans are paid off too.

WHAT GIVES??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: AZ
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:
There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Equifax. Also I have sent my FTC report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

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 2017-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.

Company response to consumer: Closed with explanation