BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
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: Account status incorrect

Complaint:
After sending information to verify myself with my disputes, Transunion has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX   XXXX never late XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized

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 2018-03-29
Company: JTM Capital Management, LLC
State: NE
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:
information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: MI
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:
In 2017 I contacted Equifax and informed them that they are reporting erroneous information regarding a XXXX XXXX account on my credit report. They are reporting an incorrect balance amount. I requested an investigation and they refuse to remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I put a credit freeze on my Equifax credit information yesterday as well as the other two bureaus and was charged {$10.00} for both XXXX and XXXX freezes. The Equifax website confirmed that I was impacted by their breach. I should not have to pay for their poor data hygiene. I spent 30 minutes doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2017-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is inaccurate, I have tried numerous to contact XXXX, XXXX, and Experian to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance $ XXXX- This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-02-22
Company: GOLDMAN SACHS BANK USA
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 have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card. 
XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX  {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru. 

On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one. 

On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card. 

Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution. 

I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing. 

Please help in resolving this with Goldman Sacks as I can not get them to return my call. 

Thank you in advance for your time and attention to this email. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: NC
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/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed all my accounts with them on XX/XX/2020 with no warning, I had actually used one of the cards earlier in the day. My sams club card had 11 months of cash back rewards they say are forfeited because the account was closed even though it was closed by them. They actually increased my credit limits among 3 cards in the approximate amount of XXXX the previous week I asked for the limit increase because of XXXX shopping. My care credit card was on a 6 moth interest free program as was several of my XXXX purchases on Amazon store card and pay pal credit. My credit file.has went up in the past week as a matter of fact I had a score increase on 1 reporting agency of 1 point on XX/XX/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 2018-02-05
Company: Justice Finance Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Innovis
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: Information belongs to someone else

Complaint:
On XX/XX/2017 Cbcinnovis gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
Hard inquiry on my report from Bank of America. This was not me requesting the information.

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 2018-02-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello I have a auto loan with XXXX XXXX XXXX THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. 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 2021-10-06
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:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
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:
Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon Collection Agency is repeatedly trying to collect on a utility debt that does not belong to us. We have told them that the property was sold two months prior to the incurred charges but they keep hounding us. They have also reported us to XXXX  which is impacting our livelihood. Please help.

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 2020-12-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

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 2021-10-25
Company: Experian Information Solutions Inc.
State: DE
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:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 non-monetary relief