BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
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: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I learned that I was a victim of identity fraud after viewing my credit report on XXXX. I noticed I had an account in collections in the total dollar amount {$700.00} from CONVERGENT OUTSOURCING but the original creditor was XXXX XXXX XXXX. However, I have never had an account or contract with XXXX XXXX XXXX. So I went to the XXXX XXXX Police Department and filed a police report informing them that I had been a victim of identity fraud. Therefore, I am asking that this company remove this inaccurate information off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: NY
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 requested a reduction of the interest rate charged on my Citi Costco Credit card and have been turned down because I have been late on several payments. I acknowledge that I have been late but I have made all of my payments including late fees and am entirely current. 
I am requesting help in getting my interest rate lowered which will make paying the remaining balance much easier for me. With the current interest rate climate, it is excessive to be charging XXXX XXXX. 

What has made this complaint necessary is the difficulty in talking to anyone at Citibank. 
Wait times run into several hours on hold due to the Covid-19 problems. 

Thank you in advance for anything you can do to assist me here

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 2021-09-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It been over 30 days no response for Experian, XXXX and XXXX on fraud account 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 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2022-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Based on my submitted complaint below I am now being harassed with phone calls in an attempt to collect a debt that is not owed. My account is currently update but the company closed it regardless. 

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 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 2020-11-02
Company: Freedom Mortgage Company
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refinanced home mortage with XXXX XXXX. That loan was closed and finalized on XX/XX/XXXX. Freedom Mortgage continues to state that I did not make payment on my loan in XX/XX/2020, as well shows a late payment for XX/XX/2020. The loan was paid in full on XX/XX/XXXX via the new refinance loan. Freedom has reported to all credit agencies that I am currently delinquent on my loan payments when in fact they still owe me overpayment.

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 2021-09-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. 

Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. 

Every time we speak, they say they will issue the credit without any problem. And every time they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Charged late fee and I do not know why.  Always make payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a zero balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to XXXX  and Equifax in regards to an account XXXX  XXXX XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had unemployment in XXXX at which time I was issued a card. My unemployment ended sometime in XXXX and I discarded the prepaid card as it was no longer useable. The company US Bank then began depositing money back on the card due to my unemployment as a result of the pandemic. I have tried repeatedly to contact US Bank to report a lost card and order a new one. I have sat on hold for hours at a time. At the 3 hour mark their phone system automatically disconnects. I have called US Bank branches for help, I have contacted them on XXXX  and the representatives I talk to refer me to the phone number that is a dead end. I have been waiting on a new card for a month and a half. My credit score is being destroyed because I can not access the funds to pay my bills. This is greatly affecting my livelihood.

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 2021-09-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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:
Hey so I received a letter from collections XX/XX/XXXX stating that I own XXXX for a company called XXXX XXXX XXXX. I have no idea what is this, I called the number that was provided in the collections letter and it said it was for rent and a termination fee for XX/XX/2021. I have no idea what this is since I have never been in that location and I have never lived in XXXX XXXX and have never signed any papers for any apartment.

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 2021-04-03
Company: Medical Data Systems, Inc.
State: IN
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:
On XX/XX/2021 I received notice that 2 collection accounts had been added to all of my credit reports. These accounts are from Medical Data Systems out of XXXX, FL. These accounts were medical bills that were covered by my insurance company that I've had for several years. I denied and disputed the accuracy of these accounts and they were still added to my credit reports.

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 2020-05-07
Company: CarMax, Inc.
State: WA
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 went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed  after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to carmax directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IL
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 REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. 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.

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 2021-04-03
Company: Experian Information Solutions 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:
The company XXXX  put on my credit report false information and caused my credit score to go down alot ... .They said I had a balance and it was a lie ... .I never used their credit card ever ... I even called them to close my account with them ... and they did but still didn't remove what was falsely stated about a balance I never had ... .I filed several disputes with Experian and they said that they will take care of it ... But they didnt do anything ... .The complaint I'm making is with XXXX  and Experian ... ..I would like this off my credit report asap ... .Thank you ... .This is XXXX XXXX ... .My phone number is XXXX XXXX .and my email is 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 2019-08-28
Company: EQUIFAX, INC.
State: WA
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:
Equifax, XXXX and XXXX are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.

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 2019-05-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Cardinal Financial in XX/XX/2019 they withheld 9 months of my loan Proceeds in escrow for Homeowners Insurance. They were billed b y my Insurance Company XXXX on XX/XX/2019. As of today 's date XX/XX/2019 they have failed to pay the premium and my policy is due to be canceled. In doing research Online they have many complaints about this practice of not paying taxes and Insurance and peoples escrow funds disappearing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a previous complaint on XX/XX/XXXX against professional debt mediation and received a response on XX/XX/XXXX how ever the information sent to me was another person idenity I still have not had my complaint resolved but some one else 's idenity

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 2018-06-08
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:
Unknown hard inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-05
Company: EQUIFAX, INC.
State: PA
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:
Multiple inquiries on my credit report that I did not authorize 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