BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account was deleted from account and now its back on there. This is prohibiting my ability to apply for a Mortgage. XX/XX/21

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above 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
Consumer complaint received 2018-06-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I spoke with XXXX at XXXX regarding account ending XXXX where I paid {$63.00} to clear up any outstanding balances or fees with Suntrust Bank. I was advised that I would be removed from XXXX XXXX and XXXX XXXX XXXX so that I could either reopen my Suntrust account and/or start a new account with other banks. 
payment Confirmation # XXXX XXXX was also suppose to email me a copy of the receipt after payment but never did so.

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 2020-05-09
Company: Experian Information Solutions Inc.
State: TX
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 have attempted to get a copy of my credit report from Experian both online and by mail. 

On XX/XX/2020 I attempted to get my report online and was refused. 
On XX/XX/2020 I mailed a request for my report and included the required documentation. 
I received a postcard refusing my request for the credit report again on XX/XX/2020. This postcard contained no information about how to obtain my credit report other than a link to annualcreditreport.com ( which had already refused my request in 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 2021-04-10
Company: First Advantage LNS Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account being reported from Central States Recovery for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means Central States Recovery is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Franklin Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive phone calls from Franklin Service , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : XXXX They call repeatedly but do not leave a voice mail, when I do answer, I have asked them on no less than 4 occasions to send me the information in writing as I do not believe I owe this debt. Each time they confirm but do not send the information and continue to call. I've asked repeatedly for more information, but they do not provide that information, instead calling repeatedly, leaving no voicemail, call after XXXX and ignore my wishes for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This dispute is for two Bankruptcies on my report that have been disputed multiple times in the past few months. The bureaus have never sent me verification of these items also after disputing the date of last activity is never updated and this is an FCRA violation please remove these items. Thanks

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 2018-06-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX  Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.

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 2018-06-08
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 have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card

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 2020-05-09
Company: SYNCHRONY FINANCIAL
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:
In XX/XX/2019 I applied for a JC Penney Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that JC Penney was using information from XXXX XXXX to cancel my account. Furious I reached out to JC Penney because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by XXXX XXXX. 

JC Penney was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that JC Penney took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.

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 2021-08-17
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint to CFPB, XXXX, wherein I addressed the issue of The Work Number failing to send a full-disclosure of my report after months of requests, and how The Work Number continually requests proof of identification and proof of address, even though that information is provided with each and every request. They not only fail to send a copy of my full-disclosure report, but now, when I complain to CFPB about it, they fail to response to the CFPB complaint with any meaningful response. Their response to the CFPB complaint does not address their failure to send the full-disclosure report, but rather is some irrelevant, ambiguous, vague, meaningless response to maybe someone's complaint, but not to mine. This jibbing is ongoing, unlawful. These companies hold an enormous amount of power over consumers ; These delays, lack of responses, stalls are unacceptable. The law demands their timely, relevant response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Information belongs to someone else

Complaint:
I have attached XXXX accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.

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 2018-04-17
Company: EQUIFAX, INC.
State: DC
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 am in the process of receiving a home loan, and was notified by my lender that my Equifax credit report was not available for delivery. ( There are no problems with my XXXX and XXXX   credit reports. ) The lender received this alert regarding my Equifax report : FACT ACT : Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. 

As a result, I called XXXX on XX/XX/XXXX to make sure that Equifax had all of my correct and current information. When the Equifax representative pulled the information associated with my social security number, a name and several addresses appeared that are not mine, indicating fraud. 

I was informed by the Equifax representative that I needed to provide documents ( including a cover letter, and scans of my drivers licence and social security card ) to verify my account. I faxed this information to ( XXXX ) XXXX on XX/XX/XXXX, but was informed today that Equifax had not received my documents. I will now have to re-submit all of my information to them, and wait another 2-5 days until they can process the documents. I was not given a dispute reference number at any point of this process, so there is no way for Equifax customer service representatives to track my problem across multiple calls, or provide me with any updates as to my dispute at this stage. It feels like I am being asked to fax my most sensitive personal information into a black hole. 

Our closing is one week away, and our lease is up on our apartment at the end of this month, so it is possible that any further delay could derail our closing, leave us without housing, and cost us hundreds of dollars in additional storage and moving costs. 

My impression of Equifax in its handling of this dispute resolution/account verification process is that they are unprofessional, disorganized, and unworthy of the hugely important responsibility they have to American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
All customers that have direct deposit with American Express Personal Savings, Bluebird, and Serve accounts are unable to get their money. We were told that it was something that would be handled in a couple of hours, then by the end of the day, then next day and now it has become a couple of days. People are unable to pay bills, get food, and pay for life saving medication. American Express has yet to explain what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was at work and got a call ( first a voicemail ) from someone who said they were with XXXX, XXXXXXXX XXXX XXXX. Because I had another account that I was under wage garnishment, this scared me and I thought they were real. They left a message that they were serving papers and needed to verify someone would be home Tuesday between a certain time. I called them back and they repeated this and when I asked the amount, they said " with the judgement, it is ... .. ''. I told them I didn't realize I had a judgement, I must not have gotten court papers. They said to save my credit they would work with me and reduce it down. THey said the debt was for GE Capital. I have NEVER received anything from this firm in writing about this debt, but because I didn't want a cop showing up at my home, I had them work a settlement. I gave them my credit card and asked for an email to confirm. WHen I got the email, it had the account number, so when I got home, I checked my credit report from XX/XX/XXXX on my computer and could not find it. I called them back and they did not want to provide the info. I kept repeating that I did not have that account number and then after telling them I was having XXXX dispute the charge, XXXX XXXX said it was a Lowes card from XX/XX/XXXX-XX/XX/XXXX. He never gave this info initially. They were clear they were issuing a judgement if I didn't pay it. I called XXXX to dispute the charge but they had to wait for it to actually post. I emailed XXXX XXXX back that I would not sign the credit card receipt and he basically said he didn't care because they have a voice recording and they record because of " people like me. '' This happened on XX/XX/XXXX.  The credit card charge was for {$910.00} and it wasn't even charged under the correct business name. I was speaking to XXXX, XXXXXXXX XXXX XXXXXXXX and the card ran as XXXX XXXX XXXX. THe address for the law firm was XXXX and the company that charged me was in XXXX XXXX XXXX. I now have no idea who has my XXXX card info. Again, nothing was provided in writing, nowhere in the conversation did they say I can dispute the debt and I never received anything by mail from them. They also did not state " This is an attempt to collect a debt. '' They asked that I return the credit card receipt signed-I refused. To this date, I have not signed the credit card receipt.

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