BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Experian Information Solutions 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:
Experian been reporting incorrect information in my report a contact them more of 40 times this past years a let them know open numerous disputes the account incorrect payment history incorrect different information reported each bureau lack of inconsistency past due Account status multiple charge off charges whem charge off account should stop reporting no more activity .2 account of XXXX 1 from XXXX XXXX XXXX XXXX XXXX incorrect information reported this 4 account have notable discrepancies.Experian in time record finishes disputes in less 5 days not really investigate just pretend whem is very clear

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 2017-11-18
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every time I pay XXXX the payments are not going through until later dates and every time I am charged late payment fee. This fraudulent activities were going on for a three or four months.

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 2018-01-10
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Citibank produced a file loan location history for my mortgage but refuses to tell me the meaning of the codes or to produce documents. The phone personnel say that it is a second loan but can not give further information. the mortgage XXXX is jointly titled to XXXX and 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 2017-07-29
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My Experian and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, XXXX, and TransUnion, XXXX XXXX raising the score XXXX points like advertised, it dropped XXXX, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports XXXX XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.

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 2021-04-12
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
On XX/XX/2020 I paid off my account/personal student loan to XXXX. The payment was sent via my real estate attorney, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. To this day, Monday, XX/XX/XXXX, the account still shows open with an outstanding balance on my Equifax report only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!

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 2019-04-23
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: DC
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 distressed that you have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, The item must be deleted from the report as soon as possible. As the Item is inaccurate and imcomplete. Please Delete This Misleading Information! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

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 2019-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo is threatening to close my account because I deposited a small amount of money into a new account with them. 

They say they dont believe the checks wills clear although one already has cleared and the rest are pending because its a weekend. I feel this is discrimination.

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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
XXXX XXXXl attacking my credit scores for their error -opted for automatic payments in XXXX XXXX -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

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 2017-07-29
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

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 2017-09-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.

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 2022-01-15
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX I paid off my card credit balance XXXX XXXX XXXX  since XXXX XXXX XXXX XXXX has not reported to TransUnion the correct information till this day which is XX/XX/XXXX the credit bureau is TransUnion credit report thet are still showing I owe a balance of {$760.00} also XXXX XXXX closed a good standing account and they still have not reopened the account I've been fighting with them since XXXX of XXXX and now we are in XX/XX/XXXX I have been denied an apartment because inaccurate information is reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This complaint is in response to complaint # XXXX. This response is to make Transunion aware that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure this matter by giving me my original remedy requested in my initial complaint which is to delete each account listed from their consumer report and pay the invoice for compensation of each violation they violated. I have attached my initial complaint for reference. Accounts to be referenced are in my initial complaint and have been circled for reference. Transunion has already received this complaint however they are wasting my time with stall tactics instead of following the LAW pursuant to 15 USC 1681.

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 2018-01-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX XXXX credit card they submitted it to Jefferson Capital debt collector and I paid off the balance I actually settled with them for a lesser amount back in XXXX of 2021 they told me once I paid it off and I settled it it will be removed off my credit report and they still have not done it because of that they lied to me I am being refused an apartment And if they can't remove it then they need to change the language and say that I settled the account in a lesser amount and remove the charge-off / collection language off of the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me TransUnion is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that TransUnion asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with TransUnion and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to 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 2022-01-15
Company: CITIBANK, N.A.
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:
My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including Citibank. The loan officer from Citibank we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with XXXX ( both me and my husband separately ), but XXXX upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from Citibank. 

Since we are not getting any help from XXXX XXXX, Citibank or XXXX, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.

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 2019-04-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX partial account number XXXX - is reporting incorrectly to Transunion a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.

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 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is with XXXX XXXX and Transunion. 

I recently read my credit report with Transunion. It listed a debt I had with a company called XXXX XXXX. According to the report the " account '' was opened on XXXX XXXX, XXXX and reported to Transunion on XXXX XXXX, XXXX as going to collection. I tried to call XXXX XXXX yesterday but their phone number was a number that went to voicemail. Their address is listed as XXXX XXXX XXXX, XXXX, TX XXXX. 

I never opened an account with XXXX XXXX. When I googled XXXX XXXX I noticed a number of consumers had also launched complaints with this company.

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 2019-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX XXXX XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}

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 2022-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

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