BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
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: Information belongs to someone else

Complaint:
Equifax refuses to remove an address and a collections account that are fraudulent for over 30 days. A XXXX, AZ address appeared on my credit report as a result of identity theft, and I have submitted disputes 5 different times, but the address still appears in my account! Additionally, a collections account from XXXX XXXX XXXX has already been resolved and closed due to identity theft fraud, yet Equifax ignores any request to remove it from my report. All representatives are unhelpful and say these accounts are removed, but I STILL SEE THEM IN THE EQUIFAX PORTAL AS UNRESOLVED. Equifax is intentionally ignoring proof of identity theft and intentionally leaving fraudulent information on my credit report, ruining my credit score and access to credit due to a fraudulent account from over 6 months ago that has already been proven as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Early Warning Services, LLC
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:
I just recently tried to open a bank account and was declined because I owe money to XXXX XXXX The problem is that I NEVER had a XXXX XXXX  account before. 
Please delete this account from EWS XXXX XXXX. This is Not even my name and this is clear Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: AL
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 recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Investigation took more than 30 days

Complaint:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

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 2019-06-02
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is  pending. 

The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. 

I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. 

Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Roughly around XX/XX/2019. I was shocked to have received a message from American Express stating that credit limit was forcefully decreased by roughly 33 % ( went from {$10000.00} to {$7000.00} ) which directly impacted my credit score by 25 points. 

Since receiving the card, I had a much lower limit. Over time, I was given periodic increases, maybe 3 over the years and got it up to {$10000.00}. I received many promotions for new cards, but i was happy with my current one. 

I have not missed a payment, I have not had any abrupt credit issue that would impact my score, and I take pride in being a responsible credit card user. 

Never in my wildest thoughts, being responsible would result in being directly retaliated against resulting in credit damage impacting my ability to receive the best rates I had earned through credit worthiness. 

I am hoping to get the resolved and reinstated as this was not in the terms of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
Good day, please assist me in getting an answer about why each credit bureau XXXX, Experian and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.

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 2019-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from EXPERIAN INFORMATION SOLUTIONS, INC after being removed off my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
I have noticed multiple accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported this citicard Cbna company for several months, XXXX keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and XXXX didn't investigate the account correctly, if they would have they would have seen that the Citi bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted regarding a used couch I was selling online for {$100.00}. The person told me that someone else would email me with information on how I would get paid for the couch. In the email, they sent me a cashiers check for {$1700.00} and instructed me to XXXX them the change. I waited a day and when it was clear that the check had cleared, I didn't see how anything could go wrong and sent them the change through XXXX. Two days later, the bank rejected the check and took back all the money as well as charging me a XXXX dollar fee. 

The name on the XXXX account was XXXX, and the email address was : 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 2018-11-25
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
Im trying to get to the bottom of why my Equifax score dropped 20 points over night back in XX/XX/2018, when everything is paid off and I have no hard inquiries or anything lik that. I requested my free credit reports on XXXX and successfully was able to view my XXXX and XXXX reports, but of course the only one I was trying to see ( the Equifax ) was the only one that mysteriously was unable to view online. Even after successfully passing my identity verification disclosures. Im unable to make any type of  dispute with Equifax unless I can see it online, and for some reason, or another, theyre essentially making it impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On ( XX/XX/2019 ) I discovered ( XXXX/XXXX ) had been re-inserted into my credit file from EQUIFAX, INC after being removed from my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete from report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America has closed all of my accounts without my consent. It includes all of my checking, savings, brokerage and credit card accounts. I have paid everything off on top in full. On top of that, they have not let me withdrawn any of the credit card points that I have earned with them. I have accumulated XXXX points, which is worth at least {$2500.00}.

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 2020-01-26
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank I had opened a new account 2 months ago. I put my first paycheck in ( paper check for the first time ). I called into the customer service to see how long I would have to wait until I can access my money and begin paying bills. 

My paycheck date is XX/XX/2020. 

I put my check into the bank on XXXX I realize because of XXXX day on Monday XX/XX/2020, access to my funds would be delayed a day because of the holiday. 

I called the customer service line and the lady said that my funds would be ready on Wed XX/XX/2020. And that was a conservative estimate. She also said that I would be able to access {$100.00} of my money right away. 

So on Wed XX/XX/2020, I checked my account online, and I see that they still were not available. I finally called in and was informed that they placed a hold on it, ( they never told me this ) and will hold it until XXXX XXXX at the earliest! 

This goes well beyond and hold! This is my paycheck! I can not pay bills, those that I paid going by what the original lady told me, now I am being charged {$35.00} over and over! 

This violates any FDIC rule! They simply can not hold my money for well over a week and never tell me when and why! I need my medicine! This is held so long that my next paycheck will arrive before these funds are released! 
I need some help with this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Dear Sir/Madam, While my ex-wife 's lawyer was filing for bankruptcy for her, they included my social security number instead of hers and all my accounts got affected because of their mistake. I contacted both XXXX and Experian credit companies to remove that record and fix my existing accounts however when I applied for a XXXX XXXX XXXX credit card, they rejected my application saying one or more of my accounts included in a bankruptcy. When I wrote them a letter explaining the same as above, they ran another credit check and sent me the same denial letter which caused my score even to drop more. I kindly ask your assistance to remove all mismatched information with my ex wife, XXXX XXXX, from my reports.

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 2018-04-16
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX Bank XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX  XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXXXXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove 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 non-monetary relief