BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
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 status incorrect

Complaint:
Equifax Errors for Not Cross Checking the Dates to Resolve Incorrect Data. 


Equifax Failed to Correct Their Misreporting to My Credit File as the Dates of Last Payments Conflicts with Dates of Major Delinquency. 

Issue One 1 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR. 

Issue Two 2 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM TRANSUNION AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT TRANSUNION ABOUT THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. TRANSUNION CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT TRANSUNION REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY.

ACCTS DISPUTED AND TRANSUNION REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-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 2021-07-14
Company: EQUIFAX, INC.
State: OH
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed through  XXXX  and now there are an additional  XXXX  inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

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 2018-02-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried to call multiple times to cancel my subscription with Experian ( {$24.00} ) per month and after spending several hours waiting for someone to answer the phone I have been disconnected. I have tried to switch my credit card number ( one that isn't authorized to them to charge and it is still charged. My banking institution has informed me I can not depute the charge because I authorized it originally.

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 2018-02-21
Company: Army and Air Force Exchange Service
State: MD
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:
Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.

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 2018-03-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I check XXXX XXXX couple times a month but when I look this time. I noticed a credit card from XXXX XXXX   ( Store card ). I called best buy to tell them I didnt open this card and its not mine. They couldnt find anything in my name about the card. I looked on my credit report to XXXX XXXX and its not there as of XX/XX/XXXX, XXXX same thing, it doesnt show up. But on XXXX its there, CBNA Account # XXXX..Opened onXX/XX/XXXX, Balance is {$1000.00} and limit is {$4000.00}. But the crazy thing is whoever has it is making payments on it and its not late.. Can you help me?? 

If you need to get in touch with me please call XXXX or email at XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
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 been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. 
I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
I recently pulled my credit report and noticed fradulanet inquires on my credit report. I reached out to XXXX, XXXX and Equifax. XXXX did an investigation and Equifax and XXXX failed to do so. 

With Equifax inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX With XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I even sent each company letters and they saying I have to contact the source which I do not know who the source is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CURO Intermediate Holdings
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attempted to dispute this item with them the firs time they issued me notice. The last few times I have disputed it through al 3 credit bureaus but I am being denied any further dispute attempts. A validation request was sent but no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CMRE Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

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 2018-11-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX i got a called from a debt collector, the call that i owe about {$100.00} to a cash store i borrowed money from. Which i was very aware. So when they called me i got put on a payment plan because i want it to pay them off right away because i didnt want this on my credit because i had been fixing my credit. Well i made my first payment in XXXX, in XXXX i made my second payment, and right before my last payment was going to be made, BOOM it was reported to my credit as a collections, which i didnt know why it was being reported if I was put on a payment plan? I did not understand why, so i immediately called and the very next day i made my payment, but before i made this payment i told the man i needed a letter stating this was going to be off my credit. So he send me the letter, but little did i know he just send me a letter where stating this account was paid in full not that it was going to be deleted which i did not know the difference. So they got their money, and now this is still on my credit and they wont removed it. Ive spoken to the company and they refused to remove this from my credit. They wont give me a reason why, despiste i got told it would be deleted. I need this to be removed since Im trying to buy a house. The company is national credit adjusters. This company just cares to get their money and not help their customers out.. i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Conduent Incorporated
State: VA
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:
Filed unemployment on XXXX was approved for the filing couple days later. Never received a card from the approval. Started calling on XX/XX/XXXX with no answers. Finally got in touch with someone on XX/XX/XXXX where I was told my card should have been there the XXXX and to wait the weekend because the mail might be backed up ... never received the card. Have tried calling at all times of the day since XX/XX/XXXX and still no answer or way to get into contact with someone. Call the card company and tell me to enter a card number that I dont have.. after 3 attempts it will just hang up on you..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NV
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 was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a XXXX report and affidavit also letters with all the items that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NV
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 was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a XXXX  report and affidavit also letters with all the items that were not mine.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: AR
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:
I have contacted all three credit bureaus multiple times about an issue where someone else 's name comes up when trying to run my credit. Every time I have called they tell me to send in the same information ( copies of drivers license, social security card, and W2 ). When I send in the information that is asked for nothing happens. I wait the 60 days they say it can take and hear nothing back.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-10-12
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a personal Loan for {$500.00} was able to cash it as a Check, and have been making my Payments each Month, and Oportun takes my payment directly from my Bank account. Last Months payment was returned because my Bank made the mistake of returning a payment, I immediately called the bank and told them to Not return my payment cause I didn't want my payment to be late, and too also not get penalized for any late payments, my Bank couldn't do much, therefore I decided to call Oportun and make my payment with another bank account information, and I asked them if I was still on time, if there were gon na be any issues or late payments or maybe any fee that I was going to get charged for the situation with the Bank, and they said that I was still on time to make my payment and I didn't had to pay any fee what so ever. I was content that everything had been resolved. Later on, a Week or so later, I received a call from an unknown number, They were asking for me, and I kept asking the person who He was, like what Company or something, They never answered anything, sounded like a Scam, and hung up on me. That same day, I received a call, and I kept asking who they were and on the 5th time that I continued to ask who they were, the Lady said, Were from Oportun, and told me that I owed then {$15.00} for a Bank return Fee, I explained to them what had happened and Mentioned to them, that I was never told that such fee was gon na be made, and that my payment was on time, and it was an error the Bank had made, and I didn't consider such fee to be charged since it was Never mentioned in any way, and now 15 days later Im getting notice of this. I explained to them that the same situation had happened with another Company, and my payment got returned and they were able to remove those fees since they didn't apply and I had made my payment before the due date, its a fee that the system generates but they were able to remove it from my account and everything was good. After the whole explanation, the Oportun Representative said that I needed to review my contract and I needed to pay that {$15.00} fee. At this point Ive spoken to approximately 3 Representatives and they all blame the Bank, they don't want to remove the fee what so ever, and they are being very unreasonable with me as their Client, I have never experienced such poor customer service, and Ive experienced this type of situation before, and they are always so nice about removing any Penalty fees or any fee being charged into my account, since they can see I am a responsible Customer. Please help me out with this Company, I feel very unhappy about the whole thing. Thank You.

Company response to consumer: Closed with explanation