BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file.

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 2019-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello Today I received a call from ( XXXX ) XXXX. They were very sly about getting information out of me but would not reveal who they were or working for. I know under the Fair Debt Collections Act they must provide me with that. I did tell them not to bother me again. I googled the number but its not registered yet with debt complaints. So I typed in debt collectors in XXXX XXXX TX and I saw Portfolio Recovery Solutions on there and about 15 years ago I had a credit card that I couldnt pay and it was turned over to them to collect. So for 10 years they harassed me and I never answered them. I know they went past the statue of limitations. So today out of the blue they call me. Isnt this lawsuit worthy? Especially if they continue? I had that accident when I lived in Oklahoma. Also before writing you I tried calling that number but they do not disclose there name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX  account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my Equifax credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/1970

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company is capio partners account number they have is XXXX this medical collection has been paid by insurance. 
also there account # XXXX has been paid by insurance please investigate these 2 accounts by the same company i sure they have no paperwork and is trying to collect on a paid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: VA
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:
I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, XXXX updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Account status incorrect

Complaint:
I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXExperian-Transunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from Equifax and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, L Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : HOMEMAKER Date Updated : XX/XX/2012 RDS Date Updated : XX/XX/2012

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 2021-04-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXX-Experian-XXXX  XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and Experian. I will upload docs. I DISAGREE WITH THEIR INFO

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 2019-05-15
Company: EQUIFAX, INC.
State: KS
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:
They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX XXXX is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX XXXX that they have no authorization for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Garcadia Financial LLC
State: SC
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:
XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These credit bureaus have been notified XXXX  times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX contractors, but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXXXXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 2018

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I had a loan with XXXX XXXX. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called XXXX XXXX to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
XXXX XXXX sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.

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 2019-05-15
Company: Experian Information Solutions Inc.
State: KS
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:
They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX investments is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX investments that they have no authorization for

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 2019-01-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX  Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called XXXX XXXX to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place

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 2019-10-27
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:
XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX  XXXX  XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE

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 2019-02-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I submitted my information on American Express site and received a pre-qualified offer for XXXX points for spending {$5000.00} in 3 months on the American Express Platinum card. I was approved for the card and started using it immediately back in XXXX. I spent the $ XXXX in the first month, but after 3 months I noticed the points weren't there. I contacted Amex and they opened an investigation but said it could take up to 2 months. I just contacted them again and they are saying I'm not eligible for the bonus because their backend team says that it said on my screen that I wasn't eligible for the bonus. First off, this is completely false as I never saw anything on my screen saying I wasn't eligible when I applied. Secondly, this wasn't a public offer, I submitted information and was provided this pre-qualified offer of the higher XXXX point bonus ( I have attached a screenshot of the offer I received ). I'm completely in awe that Amex would make something like this up to not give me the bonus. They haven't provided any proof, they just make a claim and can pull this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TD BANK US HOLDING COMPANY
State: MT
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've had my XXXX XXXX for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently XXXX ham my credit limit arbitrarily decreased by a substantial amount XXXX {$1700.00} XXXX. I jad a credit limit of {$2000.00} and not it's {$300.00}. I called the issuer of the credit card, TDBANK & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised TDBANK that there action of decreasing my credit limit reduced my credit score by more than XXXX points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me.

Company response to consumer: Closed with explanation