BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following Inquiries Viewed By Others On my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/28/2020, XXXX XXXX XXXX, XX/XX/21/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX Bank, XX/XX/11/2020 and XXXX XXXX XXXX XXXX,XX/XX/11/2020. The following Reported Information is  fraudulent, unauthorized and not my accounts : XXXX  XXXX  and XXXX, XXXX XXXX XXXX  and XXXX XXXX. I am a victim of identity theft and have a current police report on file with Chex Systems.

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 2020-09-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pro XXXX charged amounts on my credit that are not mine. I never agreed or signed to these amounts. I was also not made aware of these negative inquiries. I tried disputing these charges through XXXX  XXXX  multiple times, each time they say the debt is mine, but theres not proof of that. They now want me to prove ( give documentation ) it is not my debt. They have not provided me with any documents stating the debt is mine, because its not, but refuse to remove these charges on my credit.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE XXXX XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXXXXXX XXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, 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 2017-12-18
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a speaker from Best Buy. I opened a Best Buy credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my Best Buy credit card. On XX/XX/XXXX a check was sent to Best Buy CitiBank and was cleared the following day, XX/XX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XX/XX/XXXX - XX/XX/XXXX. On the call a representative from CitiBank and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XX/XX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to CitiBank to get it all sorted out again and nothing was done again. To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.

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 2017-12-23
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: Their investigation did not fix an error on your report

Complaint:
I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL. THOSE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE AND I AM IN DISTRESSED THAT THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY. PLEASE REMOVE THOSE ACCOUNTS THAT HAVE BEEN TARNISHING MY CREDIT.

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 2020-06-02
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. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}

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 2020-09-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Huntington Bank on XX/XX/ 2020 with the promotion that if I deposited XXXX within 60 days I would receive a XXXX account bonus. I deposited XXXX within 60 days. It is currently day 128 days and this account bonus has not posted. I have tried contacting Huntington bank over 3 times to resolve this matter. They continue to not resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: Resurgent Capital Services L.P.
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:
I was looking at my credit report and noticed LVNV reporting a collection I am beyond frustrated that LVNV Funding is reporting this account. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-04-13
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and learned that I was a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my retirement home and would like to have the fraudulent information removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
XX/XX/2020 Amount {$1000.00} I called told them the card was stolen and I want to close the account and the say ok and lied and then they send my info to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After getting the run around by Experian, they suggested that I contact XXXX. When I called XXXX you can only access a recording which specifically states We can not help you with your credit report or scores, please contact the credit reporting agencies. Ive already done that ; | Experian had no clue why my score dropped 14 points, what a collection of XXXX. Being in the lending industry I understand credit reporting all too well. 
| On XX/XX/2020, the Experian site had my score at XXXX ( Picture attached ). I have a credit limit of {$26000.00}, yet my only outstanding balance was {$200.00} or 1 % utilization rate. 
| On XX/XX/XXXX, roughly two weeks later my scored had dropped by 14 points. ( Picture attached ). This is significant because as you can see by the attached picture, I have paid off the {$200.00}, no other factors on my credit have changed. Having low utilization rate or in my case 0 % is a positive on a credit report, not a negative. The people at both Experian and XXXX can not explain how this happened. 
| Experian will send you a bunch of XXXX nonsense which will tell a laymen how credit works. These XXXX need to address why the above comments happened, which are the complete opposite of how credit works. 
| Anything short of that is plain XXXX! Does the CFPB have any XXXX XXXX? Or is it just another useless govt 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 2023-10-13
Company: AMERICAN EXPRESS COMPANY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX AMEX  WHICH I OVERPAYED AND PAID EARLY IN XXXX.THIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND AMEX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX / XXXX PAYMENT DUE XXXX XXXX PAID XXXX XXXX XXXX EARLY PAYMENT DUE XXXX XXXX PAID XXXX ( LATE XXXX ONLY ) PAID PAYMENT DUE XXXX XXXX PAID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX XXXX Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, TransUnion, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.

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 2020-10-21
Company: BARCLAYS BANK DELAWARE
State: NH
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:
Booked a trip on Frontier Airlines from XXXX to XXXX on XX/XX/2020 for {$450.00}. 
As flight was going to be in XXXX, and we were in the midst of a pandemic, I specifically asked if tickets would be refundable if I was unable to travel due to Covid19 and was assured they would be. 3 days before trip was going to be made, we were informed by our employers that if we went to Florida we would be required to quarantine for 14 days when we returned. We could not afford to be out of work for 3 weeks so trip was cancelled. 
Frontier attempted to get me to accept a credit for future travel but I refused and told them I wanted the full refund that I was promised and they agreed. 4 weeks later there was still no credit to my card so I called Frontier and was advised that a credit was issued on XX/XX/2020. My credit card, which is a frontier airlines master card through Barclays bank, still had no credit so I called Barclays and disputed the charge. 
They promised to do an investigation and reversed the charge. 
On XXXX XXXX the charge once again appeared on my statement and when I called Barclays and spoke to their rep they xfer me to Frontier where I spoke to XXXX agent # XXXX and his supervisor XXXX agent # XXXX who stated they would not issue a credit because Barclays charged back the {$450.00} So it appears that Barclays, and their airline partner Frontier, are playing games with my money and pointing the finger at each other with me stuck in the middle. Nobody will give me a straight answer and I am exasperated. Please help.

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 2022-12-19
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:
I applied for credit an kept getting denied due to information is incorrect in the database system now allowed me received anything credit from leaders false information being reported untrustworthy activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Genesis FS Card Services, 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:
I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : XXXX XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX  : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation