BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion removed two of my credit accounts that were not advised to. I tried to call and get a resolution, all three persons lied to the reason why. One person was a supervisor. they only provided their first name. non would provide ther employee id for verification. I had the company on my phone to ask about the issue. They have not received calls back from their contact at Transunion, nor will anyone give accurate information. bot my credit accounts with XXXX XXXX and  XXXX finance are up to date and are open accounts. both have been reporting to Transunion and XXXX  for a year. There is no issue with XXXX, so im not sure why they removed these positive accounts from my credit report. When i asked them to let me speak to another dept or someone higher up, they said there is no one else but customer svc and marketing. which i know is an untrue statement. Transunion refuses to fix the issue. They removed any account from jewelers, new coast direct, and ncd. they are all legitimate companies for credit building. I'm in the process of buying a home and one account was removed XX/XX/21 the other XX/XX/21. The vendors are doing an investigation, but Transunion is refusing to provide any information. Can you help us?

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 2023-03-26
Company: EQUIFAX, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX FL XXXX {$0.00} XXXX  XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fortiva has 2 credit cards that were opened fraudulently in my name. Ive sent police reports to confirm this however they have not fixed this negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
To whom it may concern,From XXXX  XXXX to XXXX XXXX, the credit card company named Comenity Bank/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The following account has been disputed several times in reference to fraudulent activity, and also disbursement malfunction/ no receipt disbursed and error codes displayed. I am not responsible for the balance amounts or interest charges associated with this account. The fraud department was advised and also customer service. A debit card replacement was conducted and this matter continued at non bank locations that were near and miles from my residence. Credit reversals were conducted after disputes for fraudulent and or non disbursement of funds were reported. At this time Legal action is currently in process for this outrageous fraudulent balance and interest charges. I am not responsible for this balance of {$3000.00} for account # ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Problem with personal statement of dispute

Complaint:
Credit reporting Bureau Experian is Under reporting my score well my report has no debt listed since everything 's been paid off and they have yet to reevaluate my number score and update it it has been the same for over 60 days with major changes happening during that time I feel I am being on accurately reported which is hurting my chances of receiving opportunities

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 2021-02-12
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/2020 I had an emergency XXXX XXXX performed at XXXX XXXX, I paid the bill of {$600.00} in total at time of services. A month later XXXX XXXX of XXXX XXXX created a fictitious bill in the amount of {$350.00}. After receiving the bill I spoke to there billing department and was told it was a mistake. A couple weeks after that I received a letter all funds where credited and account is paid in full. Four times I received a bill and after calling received the same letter stating my bill was paid. 
I then received a collection notice from Continental Credit collections. When speaking to them I was told they could do nothing. I have sent my proof of payment and all copies of letters to both companies. 
I have never received proof of any charge of {$350.00} and have been told it was an error many times. Even so the bill continues and has been placed on my credit report. 
This is a felonious bill and acknowledged by XXXX XXXX Continental Credit is aware of this discrepancy. These companies have not fixed this billing error instead harassed me at work, home and placed this on my perfect credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls a day from this credit collection company, from the same person, everyday. I have spoken to this credit collector once for over 35 minutes a couple weeks ago and specifically told them not to call me between the hours of XXXX due to my work hours. I advised them that I am not able to make good on this debt at the moment due to lack of funds caused by unfortunate circumstances. I had to repeat myself over and over letting the credit collector know I needed to get off the phone and they continued to talk and then a supervisor butted into the conversation. They continued to talk for another 15 minutes badgering me and asking me why I can't make arrangements to pay the debt then and the supervisor states promises don't mean anything and are just words. I politely said, I already explained to you why I can't pay right now and I am hanging up now. I did ask them to call me back on the XXXX to possibly make some sort of arrangement if I could. I couldn't make any arrangements on the XXXX because I still didn't have funds, so I didn't answer the phone in fear that they would keep me on the phone for another 30-40 minutes and ask me the same questions over and over as they did weeks ago. They are not respecting my wishes to only contact me after XXXX and now the same credit collector called my place of employment this morning XX/XX/21 at XXXX. This is becoming intrusive to my life and because this is a personal matter, they should not be calling my place of employment. I will refuse their calls if they can't respect my wishes not to contact me multiple times a day and especially calling my place of employment. I understand the credit collector has a job to do but this is wrong and I will make good on my debt when I am financially able to, calling me multiple times a day is not going to get them paid any faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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:
I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having some serious issues with Experian Credit reporting. The two other agencies XXXX XXXX and XXXX have data about  my credit score, however for some reason Experian keep saying that I do not have enough credit history, and due to this I keep getting denied whenever I apply for credit cards. This is unfair to me and must be rectify. I did put a freeze on Experian due to some issue with falsification. When that freeze was in place I was able to have success with XXXX and XXXX XXXX. I was able to get back on board and I was doing very well with creditors such as my banks. As a matter of fact my issues were fixed. Now apparently any new credit check goes directly to Experian and I am getting denied all the time. This is a concern because I have young children to assist with schooling and without getting any approval will make things very complicated. Please look into this for me. 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the law states clearly that no medical bill should be reported on any credit report under {$500.00} please delete on all XXXX of my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing this letter to disclose the services were not rendered to me on or about XX/XX/2021. XXXX XXXX XXXXXXXX deducted a total of {$4400.00} out my account ending in XXXX, when I arrived for my appointment it was canceled. I had a XXXX XXXX completed on XX/XX/2021 per my XXXX request. This procedure required a medical clearance from my physician which she had stated I was in fact cleared. I have attached the letter. Even in goals contract ( see attached ) this condition isnt not a reason to cancel an appointment. Goals have list the reasons to cancel an appointment there for the reason was not listed. I believe my appointment was canceled and my money was stolen and applied to someone else account. This clinic is operated by unregistered employees that are not medical assistants who doesnt have a license with the State of Georgia. I asked to see credentials and was asked to leave. There were unsanitary bags outside of the trash cans. This company is a scammed and I have read when clients appointments have been canceled multiple times and money was stolen and never returned. Bank of America has received my documentation and they will not issue a temporary credit for the fraudulent charges on my account. I am not being treated fairly. My account was drained and I literally dont have anymore money.

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 2021-06-21
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2022-11-18
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
This is XXXX XXXX XXXX XXXX and XXXX appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I do not know of this company, states that the account is open when it should be closed and has been reporting a balance for an account I dont have with said collection agency.

Company response to consumer: Closed with explanation