BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.

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 2017-11-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!

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 2021-02-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection agency called " Convergent '' mailed me on XX/XX/XXXX that creditor : XXXX XXXX placed a debt of {$80.00} against XXXX XXXX XXXX. 
I contacted Convergent in XX/XX/XXXX first week that I don't recognize these charges as I moved out from Arizona in XX/XX/XXXX, where I took services from XXXX & I cleared all my dues & made all payments on time. So, I need to check with XXXX & asked Convergent to put this on dispute. Convergent said till the dispute is sorted out, they will not report this debt to any Credit agencies. 

I contacted XXXX XXXX Collections department to discuss this matter and they informed me it is a reporting error from XXXX 's end and I don't owe anything towards XXXX equipment. The charges will be reverted by XX/XX/XXXX and I should inform Convergent about it not to report this debt to any Credit agencies. I wrote 4 times to Convergent email provided in there letter received via mail, but have not received any response. 
On XX/XX/XXXX I generated XXXX  credit report as it was required for my rental home application. I was disappointed to see that Convergent reported this wrong & disputed debt as I owe {$80.00} towards XXXX XXXX. 

I called Convergent to report why they reported this as debt to XXXX credit agency when this matter is in dispute? and I already clarified that XXXX confirmed this is a reporting error from XXXX side. They said it will be reverted as {$0.00} in 40 days & can't explain why it was reported to XXXX   They also confirmed that I don't owe any debt. 

I feel ashamed that my landlord agency questioned me about this debt in my rental application & said they have to rethink about my application. I think this will be reported to any credit card agencies as well if I apply for credit cards or bank accounts. 

My intention to complain is such agencies like Convergent should not be allowed to report wrong debt collections until matter is in dispute and when I am constantly updating them with latest developments. Ultimately, it was mistake of XXXX as reporting error and Convergent to report to credit agencies. I was not at mistake.

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 2018-03-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to temporarily lift a freeze on my Equifax credit report that I placed as a result of the security breech that occurred at Equifax. Equifax has incorrect information that is making it impossible to establish my identity and access my account to lift the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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:
As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept XXXX  said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance.

Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX  I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2021-09-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, i was informed that someone was trying to use my card despite the fact that I hadnt seen my card in months. I was told not to worry and that i would receive a new card. While waiting on a new card, my bill was due, and I could not pay it. I have screenshots of the app that I use to pay my bill telling me that my balance was XXXX and I couldnt pay it. However, I never received my new card and was charged a fee. Now my account is over my limit, making my minimum amount due about 4 times higher than normal. The next month i attempted to call them to report this because it wasnt my fault they were experiencing issues with their app, and she said they were having issues at their headquarters so she couldnt even use the computer to pull up information. This caused another month to go by, and i wasnt going to pay {$200.00} where i would normally pay XXXX $ for something that wasnt my fault- so now thats TWO missed payments because theyre having difficulties, and its showing up on my credit report, and anytime i call them, no matter which device i call on- the automated system can not hear my responses or when i dial a number to indicate a response- and neither can the live representatives. My next payment is due TODAY & I will have another missed payment and increase in minimum payment. My credit score is suffering, and my minimum payment is over {$350.00} now, because theyre having difficulties.

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 2018-03-15
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To Whom It May Concern, In XX/XX/2017, I had some overdfraft fees refunded by Webster Bank. The customer service representative I spoke to at that point told me she was refunding the fees because the overdraft " never would have occurred if the online banking was accurate. '' Over the next couple months I received a few more overdraft fees from Webster Bank due to these same online banking inaccuracies. When I tried to get these fees refunded, I was told the error was my own, and I was responsible for the fees. 

Since each overdraft occurred in the same manner as the first, which was refunded due to online banking inaccuracies, I of course had to question how the newest ones could not be refunded as well. Webster at that point, denied that the conversation I was citing never happened. My argument going forward was that the first representatives recognition of online banking issues set a precedent, which is that the bank is aware that they have online banking issues, and that they would take responsibility for them. When I pointed this out, they again said the conversation never happened. 

At this point I requested for the initial phone call from XX/XX/XXXX to be reviewed. Webster claims to have reviewed the phone call, and says that my recollection of the call is totally incorrect. While I am sure there is a possibility that my recollection is slightly off, I highly doubt that I am imagining the whole thing, as Webster Claims. 

I then requested a copy of the phone call, which was denied. I asked for a independent third party to review the phone call, which was denied. I also asked if we could listen to the phone call together, whether on the phone or in person, and that was denied. 

My belief is that Webster is intentionally not letting me hear this phone call, because if they did, they would have to admit that their representative did in fact state their online banking is prone to issues, and did in fact state they would take responsibility for those issues. Once that is established, Webster would then have to refund the rest of the overdraft fees, all of which resulted from the same issues. They of course, do not want to do this. 

Again, I am fully willing to admit that my memory of the phone call could be very slightly inaccurate. But Websters insisting that the whole scenario is entirely fabricated is not only wrong, it is extremely insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: PA
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:
Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount 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 2018-03-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have an address reporting to my Equifax, XXXX and XXXX credit report that is not my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: MN
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:
Equifax XXXX  & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXX You are reporting Purchased by another lender _ paid in full / was a charge off However Equifax & XXXX  DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
Equifax You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX . their is no modification inaccurate information. 
XXXX & XXXX Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate Equifax is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

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 2017-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
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:
My credig report shows a hard inquiry for XX/2017 made by XXXX XXXX that i did not authorize. I do n't know who or what company that is. I did not authorize that. Please remove from all 3 credit bureaus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}

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 2018-08-29
Company: EQUIFAX, INC.
State: OH
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:
Today XX/XX/2018 Equifax added a personal statement to my consumer credit file without my consent. The statement they added was for as an explanation on a account I was disputing. This was not to be meant to be used as a personal statement on my credit report. Not only that but Equifax added my ex wifes name to the consumer statement. I want them to remove the consumer statement. I never gave them consent to use my dispute explanation as a consumer statement. I have included a screen shot of the consumer statement Equifax added to my credit report without my consent that violates my rights and privacy.

Company response to consumer: Closed with explanation