BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt is included in my bankruptcy chapter XXXX and also the date is incorrect on 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 2020-09-17
Company: EQUIFAX, INC.
State: CO
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:
my cfpb account # is XXXX. 
I just checked my credit score. My Credit Score messed up due to the issue of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Information has been stolen from Equifax as a part of the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 expect expedited removal of the Fraud Alert on my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: U.S. BANCORP
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.

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 2022-10-25
Company: EQUIFAX, INC.
State: NY
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 checking into my credit report and saw some derogatory remarks ( one was Bank of America, that is set to fall off this XX/XX/XXXX ) that were ready to fall off in a few months. I had read that I could dispute these to try to get them off earlier, so I did most of them online. I didn't think I could dispute online with XX/XX/XXXX, so I actually called Bank of America to see if they could release it early and, of course, they said they couldn't help me. But, I learned that after this phone call, Bank of America changed my derogatory from " Settled at less than full balance '' to a " Charge off, '' which immediately lowered my credit score 65 points!!! I think this is unfair and is hurting me getting loans and credit! I called them back to try to get it changed and they said they couldn't, of course. I have since been trying to get it disputed with XX/XX/XXXX, but still it's reflecting badly on my score. I will upload the credit file showing the Bank of America report BEFORE the change, and another one after the change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not allowing me or lenders to view my credit report. I am trying to refinance my home mortgage, and Equifax is not providing the lender with my report or credit score. I have called Equifax on XX/XX/2019, XX/XX/2019, XX/XX/2019, and numerous other times in XXXX and XXXX. My Equifax report has not updated on XXXX in months. I can not even aacess my report or score o. EQUIFAX website. I am denied credit due to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Ace Cash Express has been avoiding ACH authorization on my debit account and has been debiting checks in my name to their company. They are debiting my account with the checks outside of my original agreement therefore over drafting my account. I am not receiving any written correspondence from this company on the collection of my funds. The company has not been helpful but now I am informed that this is illegal I am trying again to collect my funds from this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
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 two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Account status incorrect

Complaint:
I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on 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 2019-08-16
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: Account status incorrect

Complaint:
I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by 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
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

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 2017-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
* Over the course of a year, Wells Fargo had been accepting Interest Only payments as I negotiated with them during efforts to reorganize personal finances.
* Wells accepted the I/O payments every month until recently they demanded back-dated principal, without notice, and threatened foreclosure if not paid immediately. * The above statement is contradicted by their acceptance and advising to make I/O payments, whilst also being cycled through their Home Preservation program qualifications.
* I now qualify for their Home Preservation program which would ensure no derogatory outcomes, and have been willing and able to continue paying on same terms. But then they do n't respond to me after providing me with the qualifying conditions, which I meet. * I have made great efforts to find resolution but always met with misleading, ambiguous, and inconclusive responses from multiple departments within Wells Fargo. * They are violating the terms of agreement and although I have demonstrated willingness, and qualifying factors for resolution via Home Preservation Program, they are denying me any clear response and verbally aggressive with foreclosure " intent '' when I speak with them. But then get different responses from other divisions that contradict their aggressive foreclosure threats.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
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:
On XX/XX/2019, I forwarded a copy of my Federal Trade Commission Crime Report to Equifax which outlined my case of identity theft. This report along with a typed and itemized list of which inquiries were fraudulently made were sent in immediately when the reports were provided to me. 
Equifax has chosen to ignore this legal matter and unlike the other two major credit bureaus : XXXX  and Equifax, has refused to even acknowledge or attempt to rectify the effects of this crime on me. XXXX  and Equifax followed the proper federal laws and deleted these items while Equifax has chosen to willfully non-comply with those same federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It's impossible to get a live person with Experian. They have multiple phone numbers and they all shut you down. I tried about 5 different numbers including XXXX XXXX XXXX on XX/XX/19. 
I'm trying to lift a security freeze. At the other two companies I had no problem. 
I also tried Experian 's online format. In both phone and online I provided the pin number to unlock. 
They indicate they want me to send by mail various proofs I don't have available -- such as a utility statement. All my mail goes to my employment. I'm a XXXX XXXX. 
Please help me get a live person and remove the freeze. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal  so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter   XXXX Bankruptcy : Bankruptcy Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was a new user with Venmo. I was conducting a XXXX XXXX XXXX XXXX XXXX and requesting funds from parents that had signed up their kids. After sending out several payment requests on XX/XX/2021, I received an email from Venmo stating that my account had been temporarily frozen. During that time I received a payment from a parent for {$150.00}. Venmo asked me for a drivers license picture on XX/XX/2021. On that same day I sent a photo ID to Venmo. On XX/XX/2021 Venmo said that although I provided this information, my account will be permanently closed and my funds would be temporarily held for 180 days. I called customer service on XX/XX/2021 and they told me there was no way they could help me with this issue and that I would need to email an account specialist to assist me. When I asked for a phone number or to be transferred to that department, they said they dont have a phone number and that they could only handle account issues via email. This issue has yet to be resolved. Venmo continues to withhold the funds from me and denied my request to refund the other Venmo user that sent me those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: AL
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:
The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX  - reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX  - reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy : Bankruptcy Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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