BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: WA
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  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. XXXX  refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I tried to get access my credit score and reports through several online tools, such as XXXX and XXXX but they can't access my data and unable to obtain my credit report and score. They said that it might be issues on the redit Bureau level. 

The message I received when trying to get the report on XXXX : " We are temporarily unable to obtain your credit report. We are currently experiencing technical problems. '' What does that mean? Does it mean that my online request is rejected and I should request free report through the U.S. Postal Service? 
Do you have any recommendations what should be my next steps to get it online? 

Thanks a lot, 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 explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEIFITED IN ANY WAY FROM THESE ACCOUNTS AND INQUIRIES

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 2018-07-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.

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 2017-12-17
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX/XXXX/XXXX my brother & I each applied for an individual XXXX XXXX XXXX card, sharing the same last name & address only, but different social security numbers. 
While the website displayed his reference to a decision later mailed at a later date, MY display instruction me to call telephone number XXXX with reference # XXXX, report code XXXX. On my first call the representative accused me of duplicate applications while I stated my brother & I shared last name & location only. 
She then determined an application denial based on excessive credit report inquiries, confirming merging our reports combining inquiries. Several phone calls later to the same advertised number, I 'm transferred to a " special department '' for credit decision that NEVER answers. The application merge & unwillingness to provide results from website phone number is a violation of both the Fair Credit Reporting Act & Consumer Financial Protection Bureau.

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 2023-07-18
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:
identify you and your account. 
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NY
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:
Since XXXX of XXXX, I have been disputing 2 XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from XXXX dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing

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 2019-08-12
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX / 2.XXXX/XXXX XXXX    XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX / 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX i did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I canceled XXXX XXXX XXXX cabel, land line and internet services do to moving and at new address which was in different county this XXXX XXXX XXXX XXXX was not avalible. All XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX and balance was paid infull. 
Sometimes in earily XX/XX/XXXX I received email that new updated equipment was sent to me at my old address ( I no longer live at that address since XX/XX/XXXX ) and upon receival of this email I lived at different address and county. I immediately called XXXX XXXX XXXX to resolve this issue and I was told that it was a mistake on XXXX XXXX XXXX 's end and that it will be taken care of. Few months later I received a letter stating I was sent to collection for non returned equipment, I immediately called XXXX XXXX XXXX to resolve this issue and it was extremely difficult for them to understand what happened. I was told I will get a call back by supervisor to resolve this issue and I never did, every few days I would call back and it was taking a lot of times and frustration to explain same thing over and over again. 
At this time I was told that I was also being charged for land line that I no longer have and I was paying for it for two years and I could not be reimbursed for it but then yet again I got sent to collection for equipment not returned at address that I no longer live. All of this information is correct and it is in XXXX XXXX XXXX 's history file, it just takes someone who's willing to look in to this issue and see that two years later I was sent replacment equipment at address that I no longer live and I did not have XXXX XXXX XXXX cable and internet service since XX/XX/XXXX. The amount claimed that I owe is {$200.00} Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018, an alleged fraudulent letter was received from an XXXX address claiming to be XXXX XXXX XXXX XXXX XXXX XXXX. City regulations require law enforcement to render assistance to a citizen without the possibility of payment. Ex-spouse neighbors, Business Partners, past acquaintances or Financial institutions or XXXX XXXX associates surfing the web discovered the incident and drafted a ponzi letter. On XX/XX/2018, attacked by ex-spouse I fled the scene to a convenient store who called the XXXX XXXX XXXX XXXX. They responded after the XXXX Sheriff Office called who observed my serious injuries. I was taken to XXXX XXXX given pain medications released and XXXX XXXX XXXX without due process @ XXXX XXXX XXXX. My ex-spouse and I was XXXX and released the next day. 
I called the alleged collector @ XXXX and stated that the circumstances surrounding the incident yet she requested I supply additional info. Since being terminated without cause as an associate with XXXX XXXX 's identity theft I've received hundreds of collection letters!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Noticed this was on my credit today XX/XX/17. Called them immediately to handle it, they had an incorrect address on file and I requested they pull it off my credit for 30 days to give me the chance to pay it without it damaging my credit. In response they cited the Fair Debt Collection act and said they would not do so. The Fair Debt Collection Act also tells them they have to provide written notice to me, which they failed to do since it was an incorrect address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: MiraMed Revenue Group LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is Debt is not mine nor did I authorize this. I have a perfect history of paying debt on time. This is only debt on my credit that does not belong to me and it is reporting negatively. I am very disappointed this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit monitoring site indicating there was some company named IC Systems reporting on my credit file. I disputed it but was only told that it was verified. I never opened an account with IC Systems nor does the amount for $ 800+ even sound like an account I opened. This account is not mine.

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 2018-07-24
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. 

We have paid down our mortgage in the last two years and now owe XXXX..  Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. 

We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. 

In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.

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 2018-07-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed my account on XX/XX/2018 by phone. I then received a letter that it has been closed and was mailed a check for XXXX. Please tell them to stop contacting me and close my account as they said they did. I want to ensure they close it and stop bullying me or I will seek civil action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: SC
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 have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Summer of 2021 i was looking to consolidate my debt and found Freedom Debt Relief @ XXXX. I was advised that I didn't qualify for a consolidation loan, but that they would get my creditors to accept lower payments and settle my balances. I had to start with agreeing to a {$430.00} per mos payment to FDR. This was automatically deducted from my bank account. Very slowly I started receiving notices of creditors settling for a lesser amount and I was to approve it. This went on for over a year, I would receive notices that accounts had been paid off out of the funds I was paying. To move this along, I received notice that all of my accounts had been settled. Now, I qualify for this loan to pay off my debt to ACHIEVE, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The loan is for thousands more than my debt ever was, they are taking payments over {$100.00} more a month at a crazy interest rate. Now, after I received notice that ALL my creditors had settled i receive a demand letter from the Credit Union I owe the largest amount to. Not, just once. But twice same letter a month apart. I have reached out XXXX Achieve several times by phone and email without a valid response to my question of why am I receiving a demand letter for an account I am paying on???

Company response to consumer: Closed with explanation