BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I attempted to unfreeze my account at Experian on line. That did not work even though I have my PIN number from when the freeze was set up on XX/XX/XXXX. I attempted to contact Experian through all available phone numbers during their posted hours of operation. NO WAY TO CONTACT A PERSON!!! THERE IS NO CHAT OR EMAIL AVAILABLE either. 

I need to refi my home NOW. I am elderly and ill. 

I was able to easily unfreeze XXXX and XXXX. But not Experian. Per Experian online and recorded messages on telephone tree, Experian wants me to MAIL TO TEXAS COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, UTILITY BILLS ... ..ALL THE INFORMATION ANYONE WOULD NEED TO STEAL MY IDENTITY. I WILL NOT MAIL A COPY OF MY SOCIAL SECURITY CARD TO ANYONE!!! THIS IS NOT RIGHT!!!!!! 

PLEASE help me. Thank you

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX  is saying my account is a charge off. There was not 6 consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on 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 non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax had two breaches in XXXX and XXXX and my personal contact information was compromised and used to open and make hard inquiries on my credit report. All the inquiries were made fraudulently one day after the next and made all for Telecom/Cable providers out of state. I reside and work in CA. I have called to have them removed and deleted a few have and others return that are factual. The only valid and accurate inquiries are attached to a credit card i have initiated and opened. The following inquiries show only on Equifax and not the other two credit bureaus. I even had a collections that came from the fraud inquiries and those were investigated and deleted but the inquiries are still on my report. 
XXXX XXXX XXXX XXXX, NV made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX made on XX/XX/XXXX and XX/XX/XXXX XXXX ( Two made duplicates ) XXXX XXXX XXXX CO made on XX/XX/XXXX XXXX XXXX CA made on XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX I have called and written letters to the creditors directly to dispute and provide me proof/ documentation, legal signature that I have authorized these inquiries to be made on my behalf. The list above are all are misc inquiries for services that I have never done business or requested from CA. 

I would like these items removed, I shouldn't be penalized for something I have never done ir inaccuracies to my reporting. The dates and activity of the inquiries above is suspicious on the occurrence when they were initiated one day after the next in the same month and years of the breach. Equifax offered credit monitoring and credit freeze for a year there after but this doesn't fix the damage it has caused or fixed the problem of the individuals personal information getting compromised. 

I look forward to someone helping get a final resolution on getting this fixed. I have also researched on the internet that others got similar breaches around the same period. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NJ
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:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX $ XXXX Opened : XX/XX/201XXXX 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 2020-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been customer XXXX XXXX XXXX Mortgage Co for last 20 year. Since XX/XX/2020 i requested for refinance of loan. I have been making payment for last 20 year on time. My credit Score is over XXXX point. They agree to refinance my loan with no point.My loan officer send me estimate I signed and send it back to processing department. At the time  closing bank charge me XXXX more then initial estimate. I tried to talk to loan officer plus her supervisor, Even called Head of Mortgage Division. No body has show any interest to solve the problem. I believe it is against the law. Please look into the problem. 

XXXX XXXX XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a reservation on XXXX on XX/XX/2020. On XXXX, 2020 I cancelled the XXXX reservation, well within the 24 hour cancellation period. I received a hard copy of the cancellation showing that I owed XXXX balance and the reservation was cancelled. One week later I contacted XXXX through an internet chat and they confirmed the reservation was cancelled and that I would receive my refund within 30 days. After the charge of {$510.00} was returned to my account by Capital One, the credit card company, I was shocked to see the charge returned on my billing statement. 
I was forced to make the cancellation due to the current virus lockdown. I have copies of my original reservation, the cancellation notice and the computer chat stating this charge was cancelled. XXXX now says it is a valid charge. 
Capital One has had an active dispute since XX/XX/2020. All they do is keep asking for more documentation to settle the dispute. I feel like they are dragging this out far too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving phone calls demanding payment of a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a Nordstrom credit card since XXXX. The credit limit on the card was {$20000.00}. I had a baby XX/XX/XXXX. During my maternity leave I used the credit that was available to me because our family income was substantially reduced due to maternity leave. My husband and I are both at work now and normalizing our finances. 

Approximately XXXX weeks ago I took out a personal loan to pay off XXXX tradelines including the Nordstrom credit card because doing so would lower my payment. I paid off all but {$500.00} on the Nordstrom tradeline. The primary benefit of taking out the loan was to create slack between the total quantity of available credit and the total quantity of credit I am using, to drive up my credit score.

A week after paying the Nordstrom credit card Nordstrom involuntarily changed my available credit from {$20000.00} to {$500.00}. Nordstrom is now artificially reporting that the {$20000.00} tradeline I have been paying on for almost 20 years was a {$500.00} credit line over the life of the tradeline, which is a lie that damages my credit score. Nordstrom has erased my credit history of paying a {$20000.00} tradeline for almost 20 years and has ensured that my credit score can't improve by taking away the slack I created between the total quantity of available credit on my Nordstrom 's tradeline and the total quantity of credit being used on the Nordstrom tradeline.

I would have been better off paying off the Nordstrom tradeline completely and closing the line instead of leaving a {$500.00} balance to revolve in an effort to improve my credit score. The reward we get for paying off a large credit card is to have Nordstrom 's lie about the size of the loan we paid on for almost 20 years and to be stripped of the slack we created to improve our credit score.

Per Nordstrom 's own attached credit reduction letter, the reason my credit score is low is because I have high balances on my credit cards. So the moment I create slack on the cards to remedy the high balances, Nordstrom responds by immediately destroying all of the slack I created, and in so doing wittingly driving down my credit score. Nordstrom is perpetuating the problem that Nordstrom is using to justify denying me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed 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 non-monetary relief
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Pursuant to the complaints already filed in detail against both XXXX and Prosperity Bank ... I want this to be noted ... That due to added stress that made my situation worse ... I have been unable to make my initial appointment with the XXXX XXXX  ... My medical doctor referred me to a XXXX due to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which is out of XXXX ... I had to cancel that appointment twice due to the escalations that caused me to become very upset and to need to rest more and to cancel important doctors appointments ... I want this to be noted that stress can kill and that I have been under duress for a very long time now ... That Prosperity Bank acted in an egregious reprehensible manner in my regard and that due to mistakes made by XXXX I was forced to walk with my XXXX XXXX to local merchants since I do not drive I  have to walk or take the bus or XXXX or XXXX ... So on the weekend of XX/XX/XXXX and XX/XX/XXXX I had to walk though I am supposed to XXXX XXXX XXXX XXXX until I am seen by the XXXX XXXX ... The inconvenience and stress I was placed under just to get my bank card to work on the weekend of XX/XX/2020 was a nightmare ... This has to be addressed so that this does not ever happen again to other unwary bank account holders and debit card users ... I did send an email to Both Prosperity Bank and to XXXX that I beg their forgiveness for things I said under duress and that I also forgive those who were horrible to me including the vicious staff at the XXXX XXXX XXXX Branch from my ordeal on the morning of XX/XX/2020 ... No one ever bothered to ask me if I was ok or if my son was ok ... No care or concern for my well being was shown me ... Though MrXXXX XXXX XXXX saw fit to ask me if I was ok I also felt under threat by him because it seemed to me that the purpose of his phone call was to leverage and use any information I provided him against me ... That is how I feel about the phone calls I received from XXXX ... These were not authentic caring phone calls these were harassing phone calls XXXX bent on threatening me further and on using any information I provided XXXX against me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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 status incorrect

Complaint:
I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got scammed by phone with my discover credit card, they took my card information and took XXXX from my account, its been 3 years I filed police complaint, and told the discover card company about it but they keep telling me you have to pay for it, so im in bad situation since then looking for lawyer to fight for that, and credit repair company to help me out of this problem, so please help me out asap. I have also police report with me, so please help me out asap thanks, ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
As one who pays my credit card bill in full every month without fail, I was surprised to see a notice for " EBill 's due '' with an amount of XXXX $ and a due date of XX/XX/XXXX. What makes it so confusing is I payed the full bill of XXXX on XX/XX/2020. The website would appear to be baiting those who have paid already into paying twice. It is very deceptive. 

I called into Bank of America and was told by the agent that it was a feature that I would want as a BoA customer. No, it is not and it appears to be a deliberate attempt to confuse consumers. I asked that they would fix it in their system and they told me that they can not. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation