BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXXXXXX XXXX activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats 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 2017-10-15
Company: EQUIFAX, INC.
State: AZ
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 submitted a complaint via phone with Equifax XX/XX/XXXX regarding 3 unverified accounts being reported " XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. I checked the dispute status today and it still says pending its been 39days it was said on the dispute status page that it was estimated to be completed by the XX/XX/XXXX. I have not received anything verifying theses accounts, nor any updates about this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

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 2022-12-09
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: Was not notified of investigation status or results

Complaint:
I have a XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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: Account information incorrect

Complaint:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

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 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : In response to complaint # XXXX abount an account with XXXX XXXX XXXX listed on my credit report. 
Experian maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX While the burden of proof lies with XXXX XXXX XXXX  Experian, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Experian has provided rebuttal. If Experian maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Experian to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft 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 2019-09-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank has refused to properly investigate disputes filed against XXXX XXXX and left me with a negative balance of excesss of XXXX dollars due to failing to review all evidence i have submitted. I have asked for case updates and was rold that the XXXX   XXXX XXXX did not properly investigate the matter. When speaking with chase i interacted with a very rude representative whom i informed that i was recording the call and he said nothing he informed me that hia supervisor told him to tell me she was going to tell me the same thing he was. When i asked to speak to that supervisor XXXX i informed her as well i was still recordning the call and she got an attitude with me saying that she didnt authorize me to record the call and refused to assist further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I attended a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.

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 2020-03-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 2017-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Was contacted by collection company and settled a very old debt to help my credit score. Was told paying them off would remove it from my credit report. Just the opposite. Was added to an additional bureau. Lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion keep sending the same correspondence. I am not a credit clinic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to report violation to validate debt while keep calling and start engaging 3rd party collector for the same debt. 

What happen : Sometime XXXX XXXX, I have received later from debt collector " Credit Corp Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, XXXX Regarding alleged debt : Original Credit : XXXX  Original Account : XXXX Current Creditor : Credit Corp Solutions Balance Outstanding : {$1200.00} Reference Number : XXXX Consumer responded to debt collector Pre-Legal Notice letter from XX/XX/XXXX in referenced to : XXXX with request to validate debt as of XX/XX/XXXX. Request for validation is sent via certified mail and as of XX/XX/XXXX, Credit Corp Solution have received my request. 

As of today, XX/XX/XXXX, I have not received validation of debt while collector started engaging XXXX part collector to represent them. Debt Collect ( Credit Corp Solutions ) employing another 3rd part collector ( XXXX XXXX XXXX XXXX ) to collect on Credit Corp Solution behalf while my original request for validation has never been answered. 

On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX stating that they represent Credit Corp Solutions Inc. in connection with the above stated account. I do not intent to engage with XXXX XXXX XXXX to discuss this matter while my original request for validation is not answers. 

While this case is been submitted I intent to contact the FTC, State 's attorney general and national XXXX and file complaint. 

Please see attached received latter and my request for validation. 
Pre-Legal Notice from Credit Corp Solutions Inc . 
Request for Validation Certified Mail Confirmation 3rd Party Collector Letter ( XXXX XXXX XXXX XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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 recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to EXPERIAN, XXXX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.

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 2022-12-09
Company: STATE EMPLOYEES CREDIT UNION
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: Account status incorrect

Complaint:
it is a wrong report about a home owner line of credit was paid in full and closed 3 years ago for State Employee Credit Union in North Carolina. The company XXXX report this account like closed but no paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NJ
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:
My Equifax credit report is a disaster ; aside from making me jump through every hoop possible to dispute inaccurate information, they do nothing with documentation I submitted which came directly from the creditor for updates. Secondly, they have the same tradeline reporting multiple times reporting different outcomes, I keep sending them my FTC Fraud affidavit, and they do nothing. The straw that broke the camel 's back was them sending me a credit report update document telling me that the 20 plus fraud requests for my credit have been removed, which of course, they have not. I am not sure how that is even legal. Equifax tells me, oops, and we made a mistake. Lastly, they arbitrarily decide when they are going to allow a dispute and when not. There is no rhythm or reason to how this company operates ; however, they are having detrimental consequences on my credit score and reputation and making life as unpleasant as possible. I have paid to monitor with this company, and still, I get no help. Please, for the love of XXXX do something because, at this rate, my only recourse is to file a lawsuit against them for damages and demand that they correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Bread Financial 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 called XXXX requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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