BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 continually being called on the telephone over an alleged debts. I am requesting validation of these debts.These accounts have been reporting inaccurately. I want to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. These errors need to be looked into, so please do your investigation on this and remove or delete these accounts and correct the errors 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 2018-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a complaint with CFPB on my Equifax credit report, and my complaint # is XXXX. I have recieved an email from CFPB that Equifax has responded to my complaint and they have closed the complaint. 
The equifax says that the hard inquiry that I complained about is not reporting on my credit report. But, today, I got my Equifax report online, and the hard inquiry is still there! 
I don't know how they have made the mistake!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: Verisk Analytics 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:
On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? 

XXXXXXXX XXXX website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO XXXX CREDIT FILES '' ... XXXX, how does XXXX consider this information verified if XXXX is stating they do not verify such information? 

Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to XXXX on a consumer if they are being recognized as a reporting agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks

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 2022-01-11
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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase Cardmember Services on XX/XX/XXXX where they closed my account because balances on account were too high compared to credit limits and currently over limit on chase accounts. However, my credit limits never exceeded the max limit and I've spent over {$40000.00} on my Chase XXXX card the following year and paid it off in full I even made a payment for {$9900.00} on XX/XX/XXXX which doesn't make any sense for chase to close my account. I have never had a late payment or missed a payment whereas I paid all my bills on time and in full a majority of the times. I have a XXXX credit score when all my balances are paid off and never had any issues with payments where chase would need to close my account. Also, this was self inflicted with chase as to my balance was within the credit limits. Chase had failed me in a chargeback from a merchant where I didn't make the purchase which is to what pushed my account over the limits and I didn't even have the time to check or respond to what happened with the merchant or the account as it all happened so fast and soon within 48 hours to get a email stating that chase closed my account. I am greatly frustrated and ashamed that after this past year chase would close my account when I have been nothing but a good customer and never missed and made all my payments on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

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 2020-04-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest XXXXXXXX XXXX location . The person at XXXX XXXX told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. Six weeks later, I notice that my bank, USAA, took the {$500.00} back out ( XX/XX/XXXX. ) I called USAA on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from XXXXXXXX XXXX  stating that no error had occurred. I asked my bank, USAA, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX I have yet to hear back from my local PD. On XX/XX/XXXX I called USAA again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called USAA again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next 1-2 days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from USAA so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back. On XX/XX/XXXX I called XXXXXXXX XXXX again and they stated that to obtain video footage of this transaction as proof that I didn't receive my funds, USAA would be required to request a copy of said video. At that time, I called USAA and informed them that USAA would need to submit a request for a copy of the video footage. I was then informed that they would make a note of this and that I would hear back within XXXX hours. As of XX/XX/XXXX, I hadn't heard anything from USAA and called them. XXXX, the individual responsible for my case, wasn't available so the agent on the phone took my information and said that I would hear back from her or her boss today. ( This was the second time I'd asked to speak to her supervisor about the information I had received, the information I was trying to provide and the way this situation had been handled by this bank. ) As of XXXX on XX/XX/XXXX, I still have not received any type of communication from XXXX or her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
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 have been in contact with XXXX as well as Experian, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and Experian have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.

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 2018-04-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing yet again in hopes you can intervene to get US Bank to review our loan honestly and accurately, and keep a family in their home. Right now we are being reviewed but US Bank keeps losing our paperwork, and has been tracking our home for foreclosure while we are in active review. I was told that if we submitted the paperwork for a review 37 days before a sale date, we would get a fair review, and this has not happened. 

As I stated in my prior complaint, the issues started when due to health reasons I lost my job of ten years, at XXXX. My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. It was, and is still a nightmare. I have to fax every form in three or four times. Every time I call in I speak to someone new. I have an application with them now, and just today was requested a form I have sent in twice. When I said I sent it in, the person checked put me on hold for thirty minutes and eventually found it! 

While my file is being reviewed, they assured me my home would not be sold. Imagine my shock when I came home and found another notice on my door that the home is going to be sold at the end of the month! I called and they told me that the sale was rescheduled for XX/XX/XXXX,  but I have already been told on three occasions that there wouldnt be a sale date scheduled until I had at least had my application properly reviewed.

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 2019-07-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My personal information was stolen in 2017, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXXXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : 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 2021-03-09
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, I am challenging the incorrect information with the creditor SEARS/CBNA where they have cleared violated the law by reporting a balance of {$3700.00} on a closed account. This is a violation of the FCRA. I request this account be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Credit Bureau Services 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: Problem with personal statement of dispute

Complaint:
It seems to me the credit rating/point system is designed to keep you back oppose to elevate you. Every time I look at my credit report, points are reduced from my score because I use my cards. This happens despite the fact that I pay my bills on time or should I say ensure myself to replenish what Ive used. Each time my credit card balance rises points are reduced from my score. However, if I replace the amount that was reduced I dont receive the same number points added back to my score. Example : If my usage rate increase by 30 % XXXX have XXXX points reduced from my score. But if my usage rate decreases by 30 % I might get XXXX points added back. It seems the system is designed to punish not reward. Why is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
The Us Department of EDU is reporting my XXXX XXXX XXXX student loan as XXXX XXXX XXXX. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN XXXX XXXX XXXX!!! ITS XXXX XXXX XXXX. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You Equifax and XXXX keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.

Company response to consumer: Closed with explanation