BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX repeatedly refuses to remove this fraudulent claim via Experian. Its not on XXXX  or XXXX. Here is the information : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$500.00} Highest Balance {$540.00} Terms NA On Record Until XX/XX/XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

XX/XX/XXXX Experian says XXXX says its correct again! 

Many years ago, I had a XXXX  credit card that payment was never late and was paid in full when, for medical reasons, I had to file for bankruptcy. XXXX  still refuses to remove this from Experian, and Experian refuses to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Experian, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

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 2021-05-23
Company: CCS Financial Services, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt was paid in full to the original creditor, XXXX. Credit collection services does not have the legal right to report this debt to the credit agencies- they are not even a licensed consumer collection agency in the state of Connecticut XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I, received unemployment from the State of Georgia, but never received my debit card in the mail. Tried calling them but they either hang up on me or I am on hold for ever. They have {$640.00} of my benefits and have had it since XXXXi now have direct deposit into my personnel account. This {$640.00} is the only amount I haven't received because it is on a Prepaid Card issued by XXXX that I never got. I have no account number to even enter into their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed XXXX on a credit card debt to XXXX XXXX. I called Midland funding in XXXX XXXX on XX/XX/2020. We agreed to settle for XXXX dollars. They accepted the ach that day, it cleared the next day and they lowered the reported balance to all three bureaus within a week. The XXXX remained. I called the the end of XXXX they said they would report it XXXX balance. 

I called in mid XXXX, same thing, nothing happened. I called on XX/XX/2020 and they assured me they would have it removed in days not weeks. It's there and I'm astonished. It's the last adverse item on my report. I think I'm entitled to some movement after 60 days this. 

Thank you for your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In early XX/XX/XXXX, a bank statement from Huntington Bank was forwarded to our new address in New Jersey. The Account No. is shown on the attached copy of the statement. We never opened this account. When I called the bank in early XX/XX/XXXX, they said it was opened by someone with a telephone number that is neither mine or my wife 's. The statement claims we have {$9.00} in a savings account. The statement activity is supposed to be from XX/XX/18 to XX/XX/XXXX. In addition, the account was opened in Ohio. Neither my wife nor I have ever been in Ohio. The person I spoke to said the complaint was being transferred to " the investigative team. '' We have not heard back in several weeks and I called again today. 

The person I spoke to said there was no record in their system of my original call. She took the information again and agreed with me that this seems like fraud. When I asked why there was no record of my original call, she said she didn't know. When I asked what was going to happen to the information I provided, she said it was being transferred to " the investigative team. '' We are concerned that someone may be opening an account in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, XXXX  and Transunion both added XXXX points to my credit, then 2 weeks later removed the XXXX points and XX/XX/XXXX, I reapplied for house loan, with same banks XXXX XXXX XXXX Bank, and was denied by both, Transunion and XXXX  claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to XXXX, they claim I have good credit and do not see derogatoriness, and would not discuss the XXXX points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month Transunion keeps dropping my score XXXX points XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX No score chg, XX/XX/XXXX XXXX XXXX XXXX pt XX/XX/XXXX XXXX pts, without any reason, XX/XX/XXXX XXXX pts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XXXX pts. My bills are all paid on time. No problems, other than Transunion and XXXX  have illegal practices going on!!

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 2023-01-19
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: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2020-10-17
Company: Experian Information Solutions 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:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Inquiry Removal Letter 2 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2020-10-17
Company: EQUIFAX, 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:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX  - AUTO FINANCE & XX/XX/XXXX 3.  XXXX  - AUTO FINANCE & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I sent 2 letters to the address on my credit report notifying the company they have no regulations to collect in XXXX on a charged off debt that has been written off and also the are not registered in XXXX  to collect. I looked at my credit report to see a derogatory amount of {$630.00} has been reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MOVED/NO FORW AVAILABLE, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: MO
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:
In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, Equifax and XXXX   both added 56 points to my credit, then 2 weeks later removed the 56 points and XX/XX/XXXX, I reapplied for house loan, with same banks XX/XX/XXXX   XXXX XXXX/XXXX  XXXX, and was denied by both, XXXX  and Equifax claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to Equifax, they claim I have good credit and do not see derogatoriness, and would not discuss the 67 points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month XXXX keeps dropping my score -2 points XX/XX/XXXX, XXXX -XX/XX/XXXX XX/XX/XXXX -5 XXXX No score chg, XX/XX/XXXX -3 ptsXXXX -XX/XX/XXXX pt XX/XX/XXXX -XX/XX/XXXXpts, without any reason, XX/XX/XXXX +XX/XX/XXXXpts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XX/XX/XXXX pts. My bills are all paid on time. No problems, other than XXXX  and Equifax have illegal practices going on!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AR Resources, Inc.
State: MD
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:
This morning I was notified that I had a non paid debt of {$67.00} reported to the credit bureau by A R Resources XX/XX/XXXX. I immediately called them because I knew I didn't have any late payment and I have ( HAD ) a perfect credit score. Apparently the debt is owed by a person with the same name who lives on XXXX XXXX. I see that this company has had over 600 complaints since XXXX and XXXX with the XXXX XXXX XXXX. This is so upsetting and time consuming. Then, I am left to fight this with all of the credit bureaus. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'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 bureaus must 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2020-11-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I just opened an account with TD Bank. I use a check to open it and signed up for three or four accounts. The check cleared and I use the TD Bank app to sign up for more accounts. The bank stopped my atm card

Company response to consumer: Closed with explanation