BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes to all the credit reporting bureaus about a XXXX  XXXX XXXX  XXXX XXXX that's been opened in my name and used apparently and I explained multiple times that I have been a victim of identity theft and that there has been many attempts to use my information for loans and credit numerous of times and that I never authorized a credit card account or any loans to be made in my name and now my credit score has been fraudulently decreased after all the time and hard work of getting my credit score to were it needs to be and now I'm suffering from fraudulent account on my credit score and having to take all these steps to try to fix this problem I don't have no credit card with XXXX XXXX XXXX and haven't tried to open a account with them so please help me get this took care of and get my credit score back to were it was before this mistake or before the identity of mine was stolen please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on Friday XX/XX/2021 I went to capital one to get some cash she asked me how much you want I said XXXX and after she coms back asking me you got a ppp loan I said yes she said I have to make a call and after she made here call they blocked my account all my payments are auto pay and they destroyed my life by blocking my account and the ppp loan said they have no right to do so and why they did accept the money I am responsible for this loan not them I need help please thank you BY THE WAY THIS IS AFFECTING A LOTS OF PEOPLE NOT JUST ME A LOTS OF PEOPLE COMPLAINING FOM CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am submitting this complaint about XXXX XXXX/care credit. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

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 2018-10-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was affected by the data breach and I found out my social security number is listed on the black web. I have been working on correcting all inaccurate information on my credit report. On XX/XX/XXXX, I mailed a certified letter to all three credit bureaus. I included a copy of proof of residency, driver 's license and social security card. On XX/XX/XXXX, I have received notification from XXXX  my personal information will be updated to reflect my correct name, social security number, date of birth and current address. I have not received any information from XXXX. However, Experian dispute results report # XXXX for XX/XX/XXXX, I received of my credit report did not correct ALL of my personal information. Experian update ONE of the EIGHT addresses on my credit report. My credit report showed TEN variations of my name. On today, XX/XX/XXXX, I have mailed another certified letter to Experian. This time I had the letter notarized and I included a copy of XXXX updated credit report for XX/XX/XXXX, proof of residency, driver 's license and social security card. I have lived at my current address since XX/XX/XXXX. I am currently requesting is for Experian to remove all the other addresses and variations of my name off my report, as they are not deliverable to me by the United States Postal Service, since they are inaccurate and they are not reportable as per the Fair Credit Reporting Act - including but not limited to Section 611 ( a ) ( 1 ) ( A ). These credit bureaus are so quick to report negative information but updating and correcting inaccurate information is extremely hard to remedy. This is the second certified letter I have sent to Experian for the exact same issue. The first certified letter cost was {$3.00} and the second certified letter cost was {$4.00}. Not to mention the fact that I am paying for their XXXX  XXXX XXXX for {$24.00}. This is becoming very expensive to correct inaccurate information on my credit report. How will Experian be held accountable with the FCRA and CFPB?

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 2018-07-24
Company: CITIBANK, N.A.
State: MN
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:
I had had fraud charges on my XXXX XXXX card and reported those charges and the claim was denied because the claim dept said I have not return the claim form, I have sent the form back to them 4 times with a police report. I disputed charges that amounted to the entire balance on the account. Now they have reported to the credit reports as collections and sent me to collection which unacceptable, I have communicated to them for the past several months about this issue.

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 2020-04-21
Company: WELLS FARGO & COMPANY
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:
Called Wells Fargo on XX/XX/2020 to perform a BALANCE TRANSFER on an existing Wells Fargo card that I have that has a XXXX  BALANCE. 

This card has had a XXXX  balance for over 6 months, if not more. 

The Wells Fargo representative told me that she had to do a " HARD PULL '' on my credit in order to look at my credit score and see if she could 'override ' her system and get the Balance Transfer done. WHAT? 

I have never had this happen with ANY of credit card company, and I deal with multiple bank credit card companies ( XXXX, XXXX, XXXX, XXXX, etc ) You would think with all the negative press that Wells Fargo has gotten in the past 2 years they would a little more CUSTOMER FRIENDLY.

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 2022-11-04
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: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2021-11-10
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: PA
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 my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Carter-Young, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX2020 I notified XXXX  of an invalid account on my credit file. The account is identified as Carter-Young INC. Under federal laws and FCRA guidelines section 609, I requested XXXX to investigate the account for validation and accuracy. XXXX exceeded the 30 investigation period therefore XXXX is in violation of FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
A COMPANY THAT I HAVE NEVER HEARD OF LexisNexis is all of a sudden reporting information on my insurance history ( and who knows what else ). The information they reported in relation to an insurance claim is inaccurate and has caused insurance companies to not give me the best rate or to be denied. The claim was from 2019 for less than $ XXXX and they have reported almost $ XXXX. I disputed it and told them that I had a letter from the insurance co. They still are stating their findings are correct. I then had the Insurance co. email them directly to confirm what the claim was. Lexis Nexis said they will have to do another investigation! are you kidding me. I told her the email was sent to their address on the form and gave her the phone # of the insurance person, LexisNexis didn't even want to take the phone # down. 
This claim has not " popped up '' until this Co. got involved. Their records are inaccurate and I do not want them reporting anything on me. How do I OPT out so they stay out of my business. We have 3 longstanding credit reporting agencies in place for years, so why do we need these idiots???? I also tried to log on using the link that they sent me to request my " report '' and was given a PW to plug in. Guess what?? the link did not take me to a place to plug in this supposed password. This place is a joke. I have listed a review on the XXXX site as well. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to get unauthorized inquiries off my credit report file with TransUnion. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. TransUnion sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and TransUnion allowed these inquiries to be placed on my credit file with my knowledge or authorization.

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 2020-07-17
Company: EQUIFAX, INC.
State: MI
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 filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or Trans Union XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Trans Union reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

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 2023-07-26
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My assistance application with Loss Mitigation with XXXX was completed on XX/XX/2023. I was first told by Loss Mit that the process would take 30 days for an answer, then that changed to 45 days, then 45 business days but until now NOTHING. I have called every week since I submitted the application to get status and keep being told it's still " in review ''. Some agents have stated that the application was incomplete as of XX/XX/2023 while others stated that those agents were wrong and were not sure where they got that information. It's a never ending story with this servicing company! I don't understand why it's been this difficult to get information on an application that should have already been fully processed. Then I'm told that the underwriter or " specialist '' hasn't reviewed the application to make a decision. I have done everything in my power, my due diligence, to try to get this resolved but this company has failed and continues to FAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Personal information incorrect

Complaint:
Equifax, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: KY
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of 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 2020-07-17
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Information belongs to someone else

Complaint:
I pulled my credit reports and saw an account for XXXX XXXX XXXX for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated.

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