BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX for a number of years and the attached police report detail and the letter from my XXXX XXXX prove that. 
Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter

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 2023-07-19
Company: EQUIFAX, 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:
Six credit inquiries that need to be deleted. This is not a credit bureau. And they are reporting without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX inquiry date XX/XX/2018 I wrote a letter no response according to the FCRA

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 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 2020-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX  tx XXXX FTC violatons XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Yesterday I went online and signed in to Trans Union Agency. That alone took an hour with customer support because the information they had contained so many inaccuracies, I could not verify my identity with them without extreme difficulty. 

I explained the reason for my call was that the credit report they have on me is fraught with incorrect data. I had made perhaps a dozen attempts so sign in online to address this, receiving an error each time. When I called and chose to file a dispute, every time they hung up on me. I then opted to speak with an agent from another department. He transferred me to the disputes team, who hung up on me again. 

My next conversation with them I refused to allow them to make a transfer and for them to contact the department for me. After a long, drawn out session, the service agent admitted they were aware of the problems the disputes department was having but that everything would be solved and I could successfully take care of the problem the next day. Which is today. 

Furthermore, each time I attempt to go to their " Alternative dispute site '' which they demand I do to address the issue ( https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta ) my username and password must be reset because it is wrong in their system Nothing has changed, I am still unable to log on to that section of their website. The only disputes they addressed were the numerous incorrect living locations, contact information and employment history. But I am unable to address the real problem, which are the numerous, incorrect accounts they have on file in my name.

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 2020-02-23
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FFAM Account # XXXX Claimed amount : XXXX Notice came on XX/XX/XXXX. 

FFAM claims I owe debt to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. I initiated a charge back against XXXX for renting a poor quality vehicle in early XX/XX/XXXX. Apparently XXXX turned the charge back over this debt collection agency. I have contacted XXXX but have not heard back. I am disputing the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan with Home Point Financial over a month ago and they shorted me on the amount of escrows they owed me. I am owed still over {$4900.00} dollars which I have called several times and they said they don't know where my escrow money is and I have been waiting weeks to get my refund back. I feel like there is something very deceptive going on with my escrows over {$4900.00} I believe might have been stolen or embezzled. I am a veteran and need help to get my money back. I have made several call ( hours of my time on hold ) and keep get the run around saying they don't know where my money is.I paid my loan off on XX/XX/20. The loan number is XXXX and their phone number is XXXX This company keeps saying they sent my money off to pay property tax knowing that I had a XXXX balance due with the county. Please help, I have repeatedly tried to get this issue resolved with Home Point Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX  partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. 
I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. 
IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.

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 2023-05-30
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I contacted PNC 's Underwriting Dept re a  posssible {$3300.00} credit card balance transfer promotional offer of 15 months 0 % APR. I needed to effect a result quickly. I was approved, but when the credit card arrived the credit line was {$3000.00}. I filed a request with PNC 's Retail Escalation Division ( Case Mgr.  XXXX XXXX - XXXX ). I was told it would not take more than a week for a decision to be made. Two weeks later there was " no decision '' re the additional {$300.00} on the credit line. 

I gave up and, on XX/XX/XXXX, effected the balance transfer with the PNC Credit Card Dept ( " XXXX '' - XXXX ) for {$3000.00}. I never heard back from, nor was I able to reach, XXXX XXXX or anyone else in the Retail Escalation Department. As a result of the ongoing delay and failure of PNC 's Retail Escalation Dept. to rule on my additional request of {$300.00}, I was forced to proceed as though they had rejected my request. I did so after waiting three weeks, attempting to reach Mr. XXXX and other members of the Retail Escalation Dept. and failing to reach anyone. That delay has now forced me to have to pay the {$3300.00} credit balance on TWO cards : the original credit card and the PNC credit card. The total failure of Mr. XXXX to rule on my request damaged me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company called XXXX in this address XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX which has been calling me for more than a year and asked me to pay a hospital bill six years ago. But I told them that my last name was wrong and I have medical insurance and all members of my family and I asked them why I don't pay and I have medical insurance? Then the company asked me to send a copy of the medical insurance card, and I actually sent them a fax by a year ago and they told me to consider the problem had been solved. But after a year I was surprised to see a negative report from that company on my credit record.Now that company refuses to answer my calls without making any excuses and speaks to me in an insulting manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a private student loan with XXXX XXXX XXXX XXXX XXXX and this company updated my XXXX  and XXXX  payment status to CURRENT and PAYS AS AGREES. However, when I spoke with the original creditor or XXXX XXXX XXXX XXXX XXXX, my account manager explained that they sent electronic notification to XXXX, XXXX, and Equifax on XX/XX/2020 to update my account status to CURRENT and PAYS AS AGREES. I advised her that XXXX  and XXXX  did update my record accurately, but Equifax has NOT updated my records at all. I have previously provided Equifax with two letters disputing the late payments regarding the XXXX XXXX XXXX XXXX XXXX account and they refuse to do so. 

I asked my account manager to provide me a copy of the notification they sent to all three bureaus dated XX/XX/2020. I have attached a copy of my email communication regarding this concern with XXXX XXXX XXXX XXXX XXXX. 


Thanks

Company response to consumer: Closed with explanation