BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

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 2018-01-13
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 checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my XXXX, Equifax and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was victim of a fraud against me and my PNC account # XXXX. When I was notified by the bank on the first week of XXXX that my account was under a potential fraud, I took immediately action and opened a case with the local police department case # XXXX, I also placed a fraud alert with the credit bureaus reference # XXXX. 
However, the PNC bank department of dispute didnt even looked at the evidence that I am also attaching here and decide to rule that I was the responsible for the balance moved out of my account by a fraudulent check sent to me by a company that pretended to hire me. 
I was contacted at indeed by someone named XXXX XXXX to work for her as personal assistant. This person requested my bank information, address as well social security number to register me as her employee and she sent a check by mail to be deposit at my bank account so I would use the funds to make some payments for her and buy computer and office supplies. The check was bounced several days after being in the account. The bank claimed that the documentation I am providing here was irrelevant and that I should take full responsibility for the fraud balance. I said to the bank representative that I was the one suffering the fraud against, I am not the part of the fraudulent scheme and bank investigation team and decision should had considered the information attached. 
The bank completed disregarded all these evidences and decide to close my accounts and now are coming against me for the fraudulent balance. 
I am here asking for your help to first looking into the evidence and help the bank to see it was a fraud against me and cancel this fraudulent balance against me. The bank also should control better the fraudulent checks and not let the balance be available in cases like the check is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, equifax, and XXXX s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX circle address should be in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account : XXXX XXXXXXXXXXXX  Account : XXXX XXXX Account 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-12
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: Account information incorrect

Complaint:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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 information incorrect

Complaint:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on 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 non-monetary relief
Consumer complaint received 2018-01-13
Company: Southern Credit Adjusters, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX, Targeted Employment Area Designations Among Reforms WASHINGTONU.S. Citizenship and Immigration Services ( USCIS ) will publish a final rule on XX/XX/XXXX that makes a number of significant changes to its EB-5 Immigrant Investor Program, marking the first significant revision of the programs regulations since 1993. The final rule will become effective on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AZ
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 tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am past due on XXXX XXXX   partial account number XXXX. This account is coded as an R5 and it needs to be coded as an R1. (  Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: JPMORGAN CHASE & CO.
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:
My score was maintaining an average XXXX and now that Chase Auto loan fraudulently reported up to 90 days on my credit along with my husband causing our credit score to go down 100 points. 

Back on XXXX 2017 I called Chase Auto loan to Deffer three months payments due to Hurricane IRMA which they approved and said it would not hurt my credit nor will it go on my credit Score however it did indeed show up on credit and harmed my and husband score very much. This should have never gone on report and now score is extremely low and showing it is now current however score only went up a few this should not have happened and score should be higher as it was before. 

Please help fix our issues and score increase. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: REGIONS FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX Prior Case Credit Submitted by Customer Representative did not fully complete all as promised. 

I was promised a credit which was provided - Completed I was promised a letter of clearance This entire conversation was recorded as proof of promise and will be attached. The debt was paid and letter of clearance was never provided.

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 monetary relief
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last year, I requested a security freeze through the three credit agencies ( someone fraudulently tried to file my federal tax return ). While putting in an offer for a home, I contacted all three to temporarily lift the freeze so that we could get preapproved, Experian was fraught with issues. After providing all info accurately online, I received an error that I'd need to mail in my request ( 7-10 business days ). Their website didn't offer a phone number but I tracked one down, an entirely IVR based system, no humans, and again, the process couldn't be completed and I'd need to mail in the request. Unlike the other two agencies, they don't offer a single way to connect with a human ( I looked hard, there isn't one ). And, with their automated systems not functioning correctly, we might lose out on this house because there's no way to unfreeze my account in a timely manner.

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 2017-11-24
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX, 2017, XXXX XXXX put 3 Fraud Medical collections on all 3 credit bureaus. We notified XXXX XXXX by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 
They still have not removed the Fraud that is not mine from collections under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: MO
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:
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions 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:
Experian failed to remove accounts that's not mine and I don't have any knowledge of them on XX/XX/2020, I don't have a XXXX XXXX  account that's delinquent and now it's in collection with XXXX XXXX nor do I have a XXXX XXXX XXXX account thats also in collection with XXXX XXXX, these collection accounts need to be deleted, they are not mine, also on my credit report there's no XXXX XXXX nor XXXX XXXX XXXX that's proof owner ship to these accounts they don't exit on three of the credit bureaus, XXXX XXXX collection accounts needs to be deleted

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 2019-07-23
Company: Upgrade, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my XXXX credit reports and found Upgrade had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However XXXX  shows the inquiry as a hard pull so I ma filing a dispute against Upgrade and XXXX to get the inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 2018-01-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During a span of 6 year span. I have had difficulty with my private students loans. Having not worked from XXXX i informed Navient/XXXX XXXX of my issue only to get the response to say it wasnt their problem. Along with the fact I was threatened wit phone calls day and night to my home and my sick grandmother who was my co-signer. About taking her house and taking any wages I wasnt able to find a job a year after graduating from college and Navient harassed me throughout out that time period. Once I was able to land a job I was hit with high monthly payments of 700 hundred plus and that I couldnt qualify but for interest rates payments I wasnt allowed to get my sick grandmother off as the co-signer after I had established my credit and set up payments so they wouldnt threaten her anymore. Past two years only been forced to do interest based repayments only to never qualify or be offered lower payments because I wasnt making enough money in my current job to give Navient basically half of my check every month. I have been forced to go into deferment and go back to school in order to find a higher paying job to Navient and them not constantly ruin my credit. I know I am responsible for my loans but I was never more humiliated or threatened by people from Navient and XXXX XXXX before in my life over the past 5 years I have dug my self out of a hole after being unemployed for 3 years prior only to be manipulated and scammed by Navient they even tricked me into sending my loans to XXXX only to have them mess up my credit and deny me every program for my federal loans. Thanks for your time I hope this helps someone not to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've contacted XXXX, XXXX, Transunion, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, XXXX, Transunion & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-01-13
Company: Freedom Mortgage Company
State: WI
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 refinance my house with XXXX XXXX they paid off my loan on XX/XX/XXXX freedom mortgage credited my account on XX/XX/XXXX freedom mortgage reported me late for XX/XX/XXXX but XXXX made sure they had there check on the XX/XX/XXXX I want this late payment removed from freedom mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation