BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2014 I tried to have my credit report freeze with Experian temporarily lifted so I could get a credit increase on my credit card with XXXX XXXX. I repeatedly and tenaciously attempted to do this both online and via telephone. The Experian website offered me a P.I.N. that I could give to my bank to temporarily unlock my credit report, but my bank told me that they could not use a P.I.N., and that I should call Experian for assistance. 

Contacting Experian has been time consuming, frustrating, miserable, fruitless and IMPOSSIBLE! Experian is wasting my time, depriving me of the credit that I deserve, and XXXX me off. The government ought to put Experian out of business tomorrow morning. 

First I had to go on a treasure hunt for a telephone number to contact Experian, because a telephone number is either very well hidden or else nonexistent on the Experian website. I used several telephone numbers that I found on the internet and called them to no avail. Each Experian number I called required me to wade through seemingly endless voice prompts, starting with " For English, press 1 '' which is to accommodate, at my expense, mind you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I finally was finished growing older and older and older and older while wading through computerized voice prompts, the end result for each of the several telephone numbers that I called REPEATEDLY was a recorded message telling me that Experian could not assist me, or words to that effect, along with a monotone apology and a suggestion that I " try again later '', followed by disconnection. This happened every single time! If it is impossible to get help from an Experian computer over the telephone, FORGET ABOUT EVER SPEAKING TO A HUMAN! Not gon na happen!

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 2020-03-03
Company: EQUIFAX, INC.
State: CO
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 is reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX XXXX partial account number XXXX and partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these ( 2 ) accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Public record information inaccurate

Complaint:
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: CO
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:
Mid-XXXX through XXXX XXXX This is the time frame in which Equifax says hackers gained unauthorized access to its data. 

Thursday, XXXX XXXX Equifax discovers the hack and immediately stopped the intrusion. 

Tuesday, XXXX XXXX & Wednesday, XXXX XXXX XXXX top executives from Equifax sell nearly {$2.00} XXXX worth of company stock. 

Thursday, XXXX XXXX Equifax officially alerts the public about the cybersecurity incident and provides a dedicated website for consumers to check if they were affected. Later on that night, the company also issues a statement saying the three executives had no knowledge that an intrusion had occurred at the time they sold their shares. 
-- -- -- -- -- -- -- - I have signed up for their free " service '' and I get contradicting updates from their call center. The executives took action to preserve their profit before they took action to protect those hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TD BANK US HOLDING COMPANY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the XXXX XXXX you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: VA
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:
From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be 1 mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from XXXX XXXX XXXX, I have seen several other auto loan inquiries being reported that are not recognized.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2018-05-01
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: Their investigation did not fix an error on your report

Complaint:
My issues with XXXX XXXX XXXX. I have written four times pointing out that two accounts are being incorrectly reported. The same matter has been rectified by the two other reporting agencies. adverse entry from XXXX and XXXX XXXX Both events began in XX/XX/XXXX. I was in the modification process with both lenders. XXXX was resolved in XX/XX/XXXX and the account went to current. XXXX   was resolved in XX/XX/XXXX and went to current at that time. 
Trans Union is going back to the seven year cut off but refuses to clear the adverse entries during the period " Subsequent to the commencement of the delinquency '' So some of the adverse entries, both of which started in XX/XX/XXXX and continued into XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I have attached documents to support my position.

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 2021-01-23
Company: EQUIFAX, INC.
State: MA
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: Other problem getting your report or credit score

Complaint:
Equifax online credit freeze portal is broken and never working. It's unacceptable that something every consumer needs for mortgages, credit lines, etc ... Is so poorly operated. They should be shut down. 

I tried calling and their service reps are awful. They bounce you around and make excuses or outright lies about how they're intending to fix your issue. 

I'm just trying to unfreeze my credit for a short window because this company was responsible for a massive data beach and created this mess in the first place. 

They can't even help me with that. They claim their " systems are down and to check back in 30min to an hour ''. It's all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my wife and i have a conventional mortgage loan with Ameris Bank Mortgage Service 's on our property at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. Ameris Bank Mortgage Services has an address of : Escrow Department XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Illinois XXXX and a phone number of XXXX. My wife 's name is XXXX XXXX. Our loan number is XXXX. We have been customers of Ameris Bank for over 3 years and have never been late or missed a payment. We are the original owners of our home of 15 years and have been in good standings with the previous company with never and late or missed payments. 
We have tried several times with Ameris Bank to have the PMI removed from our loan as we feel that we have sufficient equity in our home. We are positive that our home would appraise for more than XXXX as their are neighbors on our street with the same size home and amenities that have sold for XXXX or slightly less in the last couple weeks and months.. We owe XXXX Our first inquiry to Ameris bank ( XXXX ) regarding PMI removal resulted with a representative telling me that the Unpaid balance would need to be 78 % or less of the property 's value. 
Our most recent inquiry resulted in us being told that it needed to be 65 % of the property 's appraised value. The UPB number continues to go down every year. 
After speaking with a mortgage loan specialist with Ameris Bank, he advised that he could not tell me why the rate was as 65 % and said " That is crazy '' and said that the number should be around 80 %. He told me that he was going to do some research and get back to me. 
The following week, ( XXXX ) he called and said that he had spoken with a member in the escrow department and was told " the number is what it is and cant be changed '' and had no explanation but offered to help me with a Re-finance. ( Of course he did ). 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN I ALWAYS LIVE IN XXXX GA AND I RAN MY CREDIT TO APPLY FOR A HOUSE I SEE WHERE EQUIFAX IS THE ONLY REPORTING I PURCHASE A VEHICLE WITH XXXX XXXX. I NEVER BOUGHT A CAR UNDER MY SSN I USE MY BUSINESS EIN TO PURCHASE THE CAR IM AM DRIVING I DISPUTED THE MATTER BEFORE WITH EQUIFAX I WAS TOLD BY XXXX XXXX TO TAKE THE ISSUE I HAVE AND DISPUTE WITH EQUIFAX SOMEONE USE MY NAME. MY IDENITY WAS STOLEN AND IM STUCK I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery bought credit card debt from XXXX XXXX and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. Portfolio recovery bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CITIZENS BANK IS ILLEGALLY HOLDING A US ISSUED TREASURY CHECK I DEPOSITED WITH THE BANK ON XXXX XX/XX/2023 I WAS TOLD WHEN I DEPOSITED THE CHECK THERE WOULD BE A 48 HOUR HOLD ON THE CHECK. 4 DAYS LATER MY FUNDS HAVE STILL NOT BEEN MADE AVAILABLE ON A US TREASURY ISSUED CHECK. 

CITIZENS BANK NEEDS TO BE INVESTIGATED FOR THEIR ILLEGAL AND UNETHICAL PRACTICES THEY DO WITH CUSTOMERS. 

I HAVE BEEN RACIALLY PROFILED AND BECAUSE OF THE AMOUNT OF THE CHECK MY FUNDS ARE STILL NOT AVAILABLE. 

THE CONTACT NUMBERS ON CITIZENS BANK WEBSITE ARE ALSO DISCONNECTED AND DO NOT WORK. 

AS OF TODAY, NOOONE HAS THOUGHT ENOUGH OF ME TO CONTACT ME REGARDING THIS MATTER, AFTER SENDING SEVERAL EMAILS TO VARIOUS MEMBERS OF THEIR EXECUTIVE TEAM. 

THIS IS CLEARLY ILLEGAL AS A FINANCIAL INSTITUTION CAN ONLY LEGALLLY HOLD A CHECK FOR 2 TO 5 DAYS.

AGAIN, THIS IS A US TREASURY CHECK THAT COULD HAVE EASILY BEEN VERIFIED BY NOW. 

I HAVE CONSTANTLY ASKED CITIZENS TO RETURN MY CHCK AT THIS POINT SO THAT I CAN CLOSE THIS FRAUD OF AN ACCOUNT OUT. 

NO ONE HAS STILL RESPONDED TO THAT REQUEST AND AT THIS POINT MY CHECK IS ILLEGALLY BEING HELD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX  : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Information belongs to someone else

Complaint:
On XX/XX/2018, Equifax received appropriate proof of my identity ; copy of identity theft report ; the identification of the information ; and a statement that the information was not related to any transaction by consumer. On XX/XX/2018, Equifax sent a copy of the credit report dated XX/XX/2018, indicating that an Extended Fraud Alert was placed and that the file was blocked for promotional purposes. The information resulting from identity theft remained on the report. 

On XX/XX/2018, Equifax took my call regarding their liability for noncompliance with section 605B of the FCRA. XXXX, a manager in the fraud department, stated that Equifax did not accept the identity theft report because the account numbers were incomplete. The account numbers were truncated exactly how they appear on the Equifax credit report. XXXX also state that Equifax policy does not mirror the FCRA in regards to the four ( 4 ) business day period to block information resulting from identity theft. 

The fraudulent information remains on my report without notification or justification required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report number which is below. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX XXXX XXXXXXXX NC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They tried to compromise and stole my information and account without my consent.

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 monetary relief
Consumer complaint received 2021-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They tried to compromise and stole my information and account without my consent.

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 2020-07-23
Company: Conduent Incorporated
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a {$2000.00} + on child support I have tried contacting way2 go the go program and XXXX and XXXX can tell me how to contact way2go u sit on the phone for hours and XXXX ever answers and they hand up in your face please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX XXXX  The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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