BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, Equifax, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for Portfolio Recovery Associates, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Portfolio Recovery Associates , L.L.C., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE XXXX XXXX XXXX-XXXX XXXX ACCOUNT INFORMATION IS INCORRECT. ACCORDING TO MY TRANSUNION CREDIT REPORT THIS ACCOUNT HASNT BEEN UPDATED SINCE XXXX OF XXXX. PLEASE UPDATE THIS ACCOUNT WITH THE CURRENT BALANCE INFORMATION. 

I HAVE ATTACHED A PRINT OUT OF MY TRANSUNION REPORT DATED XX/XX/2021 WHICH CLEARLY SHOWS THE LAST REPORTING DATE WAS XX/XX/2021.

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 2021-08-15
Company: EQUIFAX, INC.
State: MA
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:
two fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to XXXX XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: UT
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:
Experian received certified mail no. XXXX requesting that they retrieve the police report documentation from the XXXX XXXX police department report XXXX pertaining to the XXXX accounts. I have contacted the XXXX XXXX XXXX police department and they confirmed Experian never retrieved any documentation pertaining the fraud cause in regards to the XXXX. Instead Experian continues to report these accounts that were involved in fraud anyways. I demanded that is is their repsonbilltiy to retrieved the police reports under the law for them to do so and they have continued to do investigations without the police reports. They have failed to do 100 % accurate and 100 % verifiable investigation in regards to these XXXX accounts. I certified in my letters that I was the one writing my letters. They continue to not remove these fraudulent accounts from my credit profile. I am requesting for them to do business in good faith and remove these accounts promptly.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated 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 non-monetary relief
Consumer complaint received 2018-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The checking account was closed manually on XX/XX/XXXX because I live in PA and the bank is located in NY. I subsequently made an in-person visit to the bank on XX/XX/XXXX and instead of ensuring that there would be no other activities on the account they failed to act until the following day. Now I am being charged 7 overdraft charges. They paid some charges which I had stopped since I got verification from the payees that those payments were received I have no objection paying those.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. The XXXX XXXX account is still showing as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor. XXXX XXXX responded that they had sold the account to XXXX and were no longer reporting it. A recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXX XXXX and XXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history.

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 2019-09-26
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on XXXX because they will not allow me into the online portal or accept my phone calls due to an unknown error.

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 2021-08-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on Equifax because they will not allow me into the online portal or accept my phone calls due to an unknown error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from XXXX XXXX XXXX, & one from the XXXX   XXXX XXXX. I submitted this dispute to all three credit bureaus, XXXX, XXXX , & Trans Union, on XX/XX/2019, Requesting the XXXX Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.

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 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX  Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling for several years. This is supposedly for a debt that is owed by a son who has not lived with us for over 20 years and has not used this phone number than longer than this amount of time. This company calls using their name and hangs up when the answering machine answers. There are repeated other phone calls that call first and hang up with the answering machine answering, then followed by another call from this company. I have stopped answering any of their calls, More than two years of telling them that he doesn't live here, is not at this number and their lies about his being sued etc and having been contacted by them. If he owed a debt his phone number has been a matter of public record for the entire 20 plus years that he hasn't lived with us and before. These phon743e calls start in the early morning and continue throughout the day and evening. They are truly a harassment. The company name is Portfolio Recovery and one of their many calls comes from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
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:
It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit 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 2022-08-09
Company: Credit Management Control, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my most recent XXXX XXXX report and noted a collection on the report which is not correct. The debt appears to be in collections with Credit Management Co. for unpaid debt of {$260.00} to XXXX XXXX. I have not not lived in or have any associated in Texas. The recently happened to me with another collection agency and XXXX XXXX in the same state. This appears to be identify theft/fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Tuesday, XX/XX/2021, I received a collection call from Lightstream ( A division of SunTrust Bank/ now Truist ). During this call, the agent committed numerous violations of my consumer rights. During this call, after I disputed the validity of the alleged debt, the agent informed me further collection activities would continue. I told her tat would be a violation. I told her they have 5 days to send me validation of the alleged debt. Today ( XX/XX/2021 ) is the 6th business after the initial call and I've yet to receive any response, which violates 15 usc 1692g ( a ). 

On XX/XX/2021, I sent them ( SunTrust Bank ) a cautionary notice and invoice for those violations I found. 

I need them to provide me with all documentary materials related to my consumer credit transaction.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX Transunion dropped my credit score XXXX points because of a hard inquiry. IT IS NO WAY THEY CAN DROP THAT MANY POINTS FOR A HARD INQUIRY!! Now I just had XXXX to come off on XX/XX/XXXX and they raised my score up XXXX points!! Transunion hurt my credit score and my ability to get credit!! I need this taken care of or Im suing!!

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 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
Back during the great recession, approximately XXXX, 2013, Bank of America, who was struggling mightily with bad debt in general, decided unilaterally, without any issues of non or late payment on my end, to suspend my line of credit XXXX both secured and unsecured ). The Credit Line Suspension occurs on my credit report and has been reported to me to negatively affect my credit score to this day ( I have consistently paid back the loan to this day with the suspension language hanging over my credit report ). 

Bank of America was bailed out by the tax payers but at the same time did previous harm to their lenders who were not delinquent in payment or fulfilling any of their obligations. 

BOA should correct 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 2022-02-03
Company: EQUIFAX, INC.
State: MS
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 contacted XXXX, XXXX, and Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Landmark- I called to make a payment and XXXX XXXX advised me that I was prequalified for an additional loan amount of {$5100.00}. I advised her that I had a loan that was place in collections and paid. She advised me if it came up in the process I could send her proof the account was paid. I advised her that it had affected my credit score. She then told me as long as my credit was at a score of at least 500 I would be approved. I called back to review the information and told I was denied because of a late payment which was from their company for a payment while my account was deferred. She also stated my credit was below the minimum required which currently is a XXXX. I advised her that this contradicted what she originally shared with me and that it was deceptive and predatory. She had no other information to offer me.

Company response to consumer: Closed with explanation