BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NJ
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:
- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: U.S. BANCORP
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:
I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points 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 2020-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

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 2020-05-30
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: Personal information incorrect

Complaint:
I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving XXXX  and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.

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 2020-07-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My Best Buy XXXXsa Card. 

The card is paid in full, but Visa will not close the account because they can not verify me. 
Sounds odd but after speaking with their customer service, their fraud protection unit and credit card specialist, their answer was the same, it is " our policy '' that they will not close my account until I am verified. However, they won't tell me what I have to do to verify the account. This is the definition of a " Catch 22 '' It is crazy. They gave me the credit immediately, they take the money out of my account when paid, but refuse to cancel the card upon my request. Especially after identifying myself, SS #, card #, etc on the phone with their representatives. 

I paid the card in full, and want the account closed 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 2021-11-02
Company: TD BANK US HOLDING COMPANY
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:
I have an old account on my credit report showing inaccurately from target the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME

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 2020-05-30
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: Personal information incorrect

Complaint:
I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving Equifax and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX. I am filing my complaint voluntarily and independently of any third parties or agencies. Please see my full complaint and request in the documents that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an American Express everyday card. 
I noticed I have had a high payment throughout the last few months. But there isn't a lot of clarity in the monthly statement. 
I called AMEX today to ask what my current interest rate is as I know it fluctuates the AMEX rep said I am paying a " penalty APR of 29.9 % ''. 
I asked what a penalty APR is and they said you are even a few days late making a payment ( I made a late payment last XXXX ) then it is an automatic late fee of XXXX AND 6 MONTHS of a penalty APR 29.9 %!! 

I have good credit and late fees happen but a penalty APR for 6 months is bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello. On XX/XX/XXXX, I discovered a {$12.00} service fee. This was because I didn't meet the criteria for " free checking '' which were to make a direct deposit once a month or have {$1500.00} in the account every day or have {$5000.00}. I wrote to them because I felt that is predatory to do this when 40 million of us are unemployed and can't reach those requirements. They did a one time reversal on the fee, but they will charge me from now on. This is absolutely sick to do to millions of Chase customers. Doing this during a pandemic is sick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
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:
A medical debt from XXXX XXXX was reported to transunion in XX/XX/XXXXas being invalid. Transunion was provided proof that insurance had paid the balance and XXXX XXXX was trying to collect more than owed. Transunion deleted the collection from XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the collection re appeared under another name " XXXX XXXX XXXX ' for the same amount via XXXX XXXX. I dispute this amount indicating transunion was not in statutory compliance with FCRA 611 ( a ) ( 5 ) ( b ) having failed to notify me of any re attempt of a previously deleted item. I sent a secondary request on XXXX/XXXX/XXXX via certified mail to transunion to delete the inaccurate item and they sent me a letter on XXXX/XXXX/XXXX indicating they would not with no further information, not only was the debt already proven invalid and removed once before adding it a secondary time with no notice or evidence is a violation of FCRA 611 ( a ) ( 5 ) ( b ) and transunion should be fined as well as rectify this 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 2022-11-16
Company: PAR FINANCE, INC.
State: KY
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:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: CA
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:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2023-05-12
Company: LendingPoint Holdings LLC
State: MO
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:
According to the recent laws medical debt is not to be reported until its at least 365 days past due. 
The definition of medical debt is : Debt that arose from the receipt of medical services, products or devices Because of the receipt of medical services, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to LendingPoint LendingPoint is aware that the loan was for the receipt of medical services ( Medical Debt ) and is not 365 past due. 
They allowed a customer care agent to represent the company and close my XXXX  complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Receivables Performance Management, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Receivables Performance Management is inaccurately reporting on my credit. I satisfied my financial obligations with the original credit and there should have never been a balance reporting or sold to a collection agency. I have attached my proof of payment to the original credit AND even attached proof of a letter directly from the original creditor. Please delete this account from my credit asap.

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 2019-06-10
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-11-02
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:
I have an old account on my credit report showing inaccurately from XXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ID Analytics, 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:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ XXXX REPORT XXXX  VIOLATIONS )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account for years for my granddaughter, the last year a month after the new year began I added her father and XXXX  sisters. when her contract ended after 18 months I paid the final bill returned the phone and moved her to a new company with her same phone number. Her father and sisters contract ended the next month they returned all of their phones except one it was lost and paid their final billed and moved to another company. 
I had XXXX XXXX on all of the phones, which should have covered the lost phone. If not, that would be the only amount owed. Two years later that put on my credit reports that I owe over {$1700.00}. I have asked them twice to send documentation of how I owe {$1700.00}. I haven't received anything in nearly a months time. My granddaughter was with them for 36 months and I never missed a payment, my credit is important to me, why would I do that? And that is the only negative thing on my credit and XXXX has my pay history and the phones. Maybe you can get them to show you my account records, it will prove that I am telling the truth. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Bank Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/2021 Certified Mail Return Receipt required BY EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Resurgent Capital Email : Re : XXXX XXXX Account Number XXXX- XXXX Account Resurgent XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX XXXX Account Resurgent XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX  and CFB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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