BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Did not do what they said they would do in my 1st Complaint! They have my SS # blocked where I am not able to call to speak with a person. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! 
I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! 

Please refer to my first complaint # 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 2022-03-29
Company: Experian Information Solutions Inc.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 's account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-04
Company: EQUIFAX, INC.
State: TX
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:
There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2017-11-04
Company: Regional Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions 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:
Experian is continuing to report incorrectly a collection in the amount of {$27000.00} on XXXX partial account number XXXX. ( Please see page 22 of the attached credit report. ) I have attached copies of past credit card statements from XXXX reporting a date of last activity in XXXX showing a statement balance of {$2800.00}. This card has not been used so it would be impossible for this card to report a statement balance in XXXX of {$27000.00}. There clearly has been a mistake made on reporting this inaccurate statement balance as well as a typographical error on behalf of Experian. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this error, 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 2017-11-10
Company: TENET HEALTHCARE CORPORATION
State: SC
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 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Between XXXX XXXX, XXXX several attempts have been made to fraudulently access my banking information with several financial institutions. 
The latest was a hard inquiry through Citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint against XXXX XXXX for holds on large deposits of bank checks into my father 's estate account. The explanation for the first holds were placed because the account was less than 30 days old ( new ). Yesterday I made a large deposit and the deposit slip indicated a 1 day hold. The account has now been opened for 34 days and has had no returned checks. This morning I received an inbox message online that actually a 7 business day ( 11 day total ) hold was placed. No reason was given other than to contact the issuing bank. The check was issued by XXXX  XXXX XXXX XXXX XXXX. The previous complaint response explained Wells Fargo policy. Again they have not followed their own policy and have given no justification.

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 2017-07-07
Company: EQUIFAX, INC.
State: AR
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:
In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TD BANK US HOLDING COMPANY
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:
I have previously written many notices to the company as well as submitted my police report that my identity was stolen. I have never spoken to the disputes department nor received any information as to why the charges on the account were not disputed. I have disputed the charges on the account and the Law states  that they should be investigated. Nordstroms has never contacted me regarding the fraudulent charges made on this account. I have sent many letters as well as phone calls. They continue to report to the credit bureaus saying the account is charged off but how can you charge off an account where I did not make any of these charges. I want the charges reviewed and investigated as I have stated in the past. I want to speak to someone at corporate regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$1900.00} These were reinserted on my credit report after being deleated. I was NOT notified that they were reinserted, if not removed I will hire an attorney because of improper reinsertion of FCRA rules. 

I have attached before and after credit report showing it was deleated and has now been reinserted without notice. 

Equifax keeps messing with my credit again, reinserting things that have been gone for a couple years reappear then are deleated again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  was notified that the information regarding XXXX XXXX was not accurate. XXXX XXXX refuses to talk about the debt stating it was sent to collection and sold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: DISCOVER BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX I was contacted by rep from XXXX XXXX XXXX XXXX in response to online inquiry for cross country moving services. I was given a quote and went over details with rep as to dates and what was to be moved. I called back later to finalize and make the first of three installments ; a customer payment is what was told to me and labeled on contract of the amount of {$570.00}. 
I made this payment by what I assumed would be a direct debit. XX/XX/XXXX I became aware that the company or rep I was dealing where not following threw with legitimacy of this move and or providing me reinsurance of dates contracted. 
A unamended driver and company called me on XX/XX/XXXX requesting different forms of payments for other two installments. On XX/XX/XXXX I wasn't able to get ahold of moving Rep I previously spoke with so I called Discover bank to report this. I then became aware that the payment came out of my account as a drafted check that had an image and wrong address printed on it. I raised my concern of this with discover bank rep on this call and promptly had them fully change my account numbers. I continued trying to get ahold of the withdrawing company of XXXX XXXX XXXX to address refund cancel accuracy of their company with no prevail and blockage of me being able to message them. From XXXX I called discover bank back several times to explain all circumstances. I asked for a charge back or help in reversing this illegitimate non receipt of service charge and every time and step of the way have without full explanation by them been told by discover bank that they can't do anything to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
I am hoping you can help me with my issues I am having with some creditors. I have a debt with both XXXX XXXX and Home depot. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last XXXX of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.

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 2017-11-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This relates to Complaints # XXXX which has been closed. 

Equifax took my application online to subscribe to their XXXX XXXX credit monitoring service today ( XX/XX/17 ). After entering my information, Equifax sent me a XXXX   XXXX one time passcode to enter into their system. Upon entering this Passcode, I received the following message : System Unavailable We are unable to process your request at this time. Please try again soon. 
This is the identical message I have been receiving for the past three weeks, and which caused me to submit my complaint. 
Equifax has not corrected this problem, and has not provide the credit monitoring series promised as a result of their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ProCollect, 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:
Procollect is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Procollect somehow became involved, and Procollect did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from 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 explanation
Consumer complaint received 2017-11-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. 
Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. 
This is unfair and I want to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from 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 explanation