BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 Equifax reported a hard credit inquiry on my report. I had just finished an employment background check from the XXXX XXXX XXXX Department [ XXXX XXXX in California. When I discovered this, I went to XXXX XXXX XXXX XXXX Department and spoke with the XXXX XXXX XXXX XXXX XXXX there who assured me that he communicated with Equifax to help satisfactorily handle this matter. Regardless, Equifax as of today XXXX is still listing a hard inquiry from XXXX XXXX XXXX Department. My claim or customer # with Equifax regarding this matter is : Case # XXXX Credit File # XXXX XXXX  last followed-up with Equifax on XX/XX/2019 to no avail. They simply refuse to delete /remove the inquiry even when requested to do so by XXXX XXXX What are my options, should I hire an attorney to make them comply with the law and stop reporting erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2014, I was accepted to attend XXXX University Online. I attended the school for about two years at the time. I did not have a high school diploma to attend this school but the advisor told me that I was okay he was going to accept me anyway and put me on the right track to get my XXXX XXXX XXXX in XXXX XXXX. I was young at the time and get have the best education growing up but I want to be somebody and this was it for me. after attending this school for XXXX  years with XXXX credits and a GPA of XXXX, I was also on the XXXX XXXX  List. I received a call from a new advisor they told me I could no longer attend this school when I asked them why they did not give me any information and I was terminated from the online school and lost all my credits this Crush my dreams from getting the job I wanted and moving forward in life. For the past few years, I have been struggling with fighting with this school to remove the remarks and the debt off of my credit and the money I did not receive. I still feel like I have been scammed by the school. they have ruined my credit for over 5 years now I have been turned down from a car loan personal loan or good job by having this on my credit as a debt this school has really ruined my life. I have tried many programs and went to the government website to file a complaint but have not received any answers. I did receive a letter from the government on a dispute letter saying that they were going to remove accounts off of my credit but after a few months the accounts were being updated and placed back on my credit I'm back to square one this is my only hope to getting my life back together and putting my family back on track. I have a XXXX son and I want to give him the world not have the best education but. I have the intelligence to keep pushing I am an entrepreneur so I made a way for the world to still see my gifts in repairing Electronics and making people happy but I'm still struggling because I'm unable to expand my business from this being on my credit I unable to grow with this heavy burden on me. it was a mistake for me to trust this school with my future but now my future is in my hands and if this doesn't work I will keep trying to find a way. I believe I will be successful one day and make my son proud. 

Ps Sorry if I misspelled anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: SYNCHRONY FINANCIAL
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/18, I received a call about a {$200.00} debt that I apparently owe. The details were not clear to me, and I never received a written notification about the debt. The man only identified himself as XXXX from XXXX XXXX. The next day, this same person called my father. He said he was with XXXX XXXX and implied I had a financial issue, leading my father to contact me. It was illegal for XXXX XXXX to contact my father as XXXX XXXX had already made contact with me. Additionally, I never received any sort of written notification.

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 2018-03-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. 

I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report  inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-05-01
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$180.00} was taken out my account without my permission from Key Bank. I notified the bank was given a phone number to call, I called the number and it said it was no longer in service put in a dispute and was denied. I have been denied my money since XX/XX/XXXX up until XX/XX/XXXX I have put in five or six disputes and all were denied I was told that they contact the company and spoke to someone and they told them that I purchase something from them I asked the bank can I get the company 's name phone number address and what did I purchase and I was told that they could not give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting inaccurate information to TransUnion and XXXX. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual Date Opened calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as XXXX to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s )  indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.

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 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2017-11-26
Company: CAVALRY INVESTMENTS, LLC
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: Account status incorrect

Complaint:
On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My  bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD  BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
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:
There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls. I don't answer numbers I do not know and they leave no messages. I don't owe any debt right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2019-05-01
Company: EQUIFAX, INC.
State: MI
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:
These accounts are fraudulent : XXXX {$530.00} XXXX  {$190.00} XXXX XXXX   XXXX {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Company: R.M. Galicia, 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: Account status incorrect

Complaint:
On my XXXX and XXXX credit report, XXXX XXXX XXXX are reporting a debt ( {$77.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XX/XX/XXXX. They are reporting this as of XX/XX/XXXX. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed. Please advise and have it removed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-05-09
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Xoom.com would not send my money to friend without me sending them my bank statement and a copy of my license. This would be normal, however they wanted it through unsecure email. Also, I was using my XXXX account ( already verified with XXXX ) to send the money so it raised all kinds of flags as their website says Xoom, a XXXX 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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct 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 explanation
Consumer complaint received 2019-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Aloha, I have called USAA four times since XX/XX/2019 all relating to an inquiry for all digital copies of complete mortgage loan documents executed by USAA for my records and easy reference. My call on XX/XX/XXXX eventually escalated to the Office of the CEO for unknown reasons, and multiple people from that department have subsequently reached out to better understand what I need and more specifically wanted to know why I needed them ( latest call received XX/XX/XXXX from USAA Office of the CEO ). Again, I clearly restated my requested, confirmed addresses in question and asked when I could expect my request to be fulfilled. I was told it would be researched and they would get back to me. 

After a week of not hearing anything, I called in today XX/XX/XXXX to inquire about my documentation. I spoke to an XXXX ID # XXXX in The Office of The CEO, who ultimately stated that my case was still being researched ; and when asked who was working my file, what notes were reflected in the system, and the chain of people who have been handling my case thus far, I was told varying reasons from her on her ability not disclose said information to USAA needing to " protect my account '' by not disclosing that information to her inability to see any specific notes or persons working the case. 

So I'm to gatherThe Office of The CEO, who in part, handles grievances, conducts research and resolves complaints is incapable of tracking their own research or worse they are preventing consumers the access to their records in a timely and transparent fashion, which raises even more red flags. There is no reason why a simple request made on XX/XX/2019 should be this complicated, frustrating, and lengthly. 

I need assistance looking into this matter as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation