BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Equifax and XXXX via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with Equifax through the dispute portal, I have yet to receive a response from this company. XXXX never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on XXXX its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX bank XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on Equifax month over month, but showing first delinquent date as XX/XX/XXXX on XXXX with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on Equifax but reporting XX/XX/XXXX on XXXX. please remove this file as it is reporting different information on different bureaus further damaging my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: NY
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 2022-09-13
Company: EQUIFAX, INC.
State: MO
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:
The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: AL
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 fair credit reporting act XXXX XXXX XXXX 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-06-13
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: Account information incorrect

Complaint:
On  XXXX   XXXX    , my  XXXX   XXXX  lease was transferred over to someone else. I received all the letters from  XXXX  saying that the process has been finished. After numerous times talking with   XXXX    they agreed to remove the account from my credit report, it has been removed from my   XXXX   credit report but it still shows as open with Transunion, i have not been able to force transunion to remove it because  XXXX  simply does n't respond.

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 2022-09-13
Company: EQUIFAX, INC.
State: GA
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:
I do not have credit with any of the following companies. These are showing up as hard inquiries on my credit report and they need to be removed. 

On DateXXXX XXXX XXXX and XX/XX/XXXX CompanyXXXX XXXXXXXX  DateXXXX XXXX XXXX  CompanyXXXX XXXX XXXX DateXXXX  XXXX, XXXX  CompanyXXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) CAPITAL ONE BANK USA - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
X/XX/17   The  Honorable Consum er Financial Protection Bureau, Please be advised that the joint tort feasors of  STERN & STERN   XXXX   XXXX   XXXX  .,  XXXX , N.Y.  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , N.Y.  XXXX and the CIVIL   COURT OF THE   XXXX   XXXX   XXXX   XXXX    1  XXXX   XXXX   XXXX   XXXX  , N.Y.   XXXX    have has and is refusing to follow Federal law as well as private international l aw effectin g two consumers as trust res and one being a minor.     STERN & STERN and  its principal was notified and warned no less tha n three tim es of false debt collection and fraud by deceptive practices under  color  of law by notary presentments and invoiced for trespass, libel, slander etc.    STERN & STERN did s tart a false claim ( index #  XXXX   XXXX  ) against the TRUST name and D/B/A/  XXXX   V.  XXXX  a consumer and  religious trust not for commercial profit.     XXXX  V.  XXXX  or  XXXX ,   XXXX   XXXX  . as the consumer  defined did counter claim and try to remove to proper venue for remedy.   This Removal attempt was denied by  color  of law and with want of equity. It has caused a larger and/or additional tort.   A Rebuttal and denial was sent to your    XXXX   XXXX   XXXX   address recently FYI. You can merge with this complaint only if it helps.   <P/><P/><P/>    XXXX   XXXX   XXXX  . 32 15 U.S.C. 1692c ( d ) Attorney in factum All rights res erved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been banking with bank of america for close to 10 years now. I recently in  XXXX ,   XXXX   transferred my balance from my bank of america account to a new account with  XXXX . i sent a  XXXX  dollar payment in  XXXX ,   XXXX   my account should have been paid in full and that should cover anything leftover. There was a  XXXX  dollars left ; i was with the understanding my whole balance was  XXXX . So i had  one  missed payment. instead of being notified i was reported to the credit bureau and my credit limit was slashed from  XXXX  to  XXXX   ,  which plummeted  my credit score m ore than  XXXX  points. This is wrong i had  one delin quency ( that should be removed under the case of misunderstanding/ miscommunication ) and now everything i have built gets thrown away and i 'm told there is nothing that can be done. Im a veteran who has recently been looking to get a home I cant use this  credit score hi t, this is criminal what has happened. I paid  XXXX  dollars  a two  months before this, i cant get a grace period or a phone call to be notified.

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 2017-06-13
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus. <P/>As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency. <P/>I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard. <P/>Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Comerica
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Social Security check was deposited with Direct XXXX  express l have called many times and they tell me that they can not help with my account l have contacted Social Security and stopped any more checks going into Direct XXXX .l sent them a verification Benefit.letter with my new address..They are holding my XXXX.check.l am my own payee and can not understand why they will not send me a new express card..l am XXXX yr.old and l need my check.Hope you will be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Student Loan Care, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Student Loan Care ( SLC )  called me in    mid- XX/XX/XXXX , multiple t imes, each time presenting themselves fraudulently ( without me initially knowing ) as a " federal loan servicer. '' Whereas, most other companies were " servicers of federal loans, '' and they explained that I would " not have to pay anything '' - but they only told a half-truth in that they meant " not have to pay anything toward my loan. '' In reality, they were not a federal loan servicer, nor a loan service whatsoever, they are a consolidation sc am artist com pany that preys on college students to enter agreements which they do not fully understand. The entire conversation that I had with the  SLC representative did not o nce indicate that I would be charged a monthly fee for their consolidation services nor that I would be paying them anything at all. So, I reporte d them on  XX/XX/XXXX  to the   Consumer Financial Protection Bureau. Lo-and-behold, a new company ( who I was also unaware of ) named    XXXX   XXXX   XXXX   res ponded, declared I was a liar, but then agreed to close the case and return my money.  <P/> Now, here we are ,   XX/XX/XXXX  an d I r eceived a phone call from   Student Loan Care asking about my account and what happened. They wanted to k now   if I was still " using their services '' and if I planned to continue using them. I politely explained to the representative that I believed their company and their loan comp any (   XXXX   XXXX   XXXX   ) wer e very manipulative and scammed me into accepting their services - which I would not have taken otherwise. That 's the main point of contention : Had I been clearly informed on the telephone about the services  Student Loan Care/    XXXX   XXXX   were offering ( to consolidate my debt, put my loan in deferment, and then reapply me each year ) I would NOT have taken them. Instead, I was coerced through manipulative half-truth type of language into accepting their consolidation services in the understanding that they were a " federal loan servicer. '' Today, the representative presented me  two options  : " Pay 40 % of the total debt that w ould be accrued this year '' ( which would be {$560.00} ) or they would send it off to collections agency and make me pay the full amount of {$1400.00}. I, due to my belief that this was a very manipulative, coercive, and shady deal, one that was not detailed or clarified appropriately in initial   communication via telephone, feel not responsible to make any payment toward  Student Loan Care,   XXXX   XXXX  , or otherw ise.  <P/> Attached is the initial company response from    XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a checking account with sun trust bank location in XXXX Georgia, during the period of time that this account was active sun trust bank on a monthly basis took from my account because of overdraft fees in excess of XXXX in one month. during this same period I was charged an overdraft fee and if the overdraft was not paid I would be charged an additional {$72.00} from my account. In one month a deposit was made from the veterans administration in the amount of {$1700.00} and after Sun Trust withdrew and deducted there fees I was only left XXXX at which time the account was closed. During the time this account was in existed which was less than one year, Sun Trust withdrew over {$3500.00} in fees. When I attempted to bring this issue to the branch manager i was always given an explanation that they were entitled to charged my account these fees. A brief discription of these charges were, 1 }, carry a XXXX  balance ; 2 }, having a negative balance, 3 ], not paying overdraft fees within a certain period, 4 ), maintaining fees for an open account. these are some of explanation however its not limited to those listed above. 
As mention above the straw that broke the camel back was when my compensation payment from the veterans administration was received and i received less than 50 %,

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 2020-04-22
Company: Sa-Vit Enterprises, Inc.
State: FL
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:
During a fairly routine credit check I discovered a judgment against myself from " Savit Collection Agency ''. I was unaware of any outstanding debt and to this day still do not know where it came from. My credit card companies, auto loan, rental agreements and banks have all confirmed I'm in good standing, so it may not be mine. 

Regardless, the amount does not appear significant so rather than bother with disputes I simply wanted to pay this debt in full and have it, at a minimum, listed as settled on my credit report, if not paid-in-full. 

Unfortunately, the agency never provided me with any information in the first place. When trying to make a payment on their site, they redirect you to their customer service phone/email options. That's fine. 

Except you can not actually get in touch with anyone. I've left messages for the agency three times and can not receive any correspondence, despite me openly communicating that whether the debt is mine or not I want to pay them in full. One would figure that'd be an incentive to respond. 

So I have this judgment remaining on my credit report, I suppose indefinitely, because I can not just mail money off into the ether and assume it'll be removed, but I also can't confirm anything about the amount of my payment, the account #, where to pay, how to pay, etc. 

Terrible agency.

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 2022-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For more than a year, I have been trying to resolve a collection report that was filed into my credit report for a fraudulent account. I have no knowledge of the account. I challenged the creditor and credit bureau to provide me proof that it was me that opened the account. The creditor and credit bureau have failed to provide such proof ; I asked the creditor to show me proof of my signature on the application or the agreement of the account. The credit is not able to provide such proof. 
I tried disputing the collection account with the credit bureau and every time it comes back as verified. I do not believe that the credit bureau is performing its due diligence and properly investigating the authenticity of the account. I was never given any proof that this collection account is in deed mine. 
This entry of this account in my credit report is not accurate and must be removed. 
I am hoping that you can help me remove this account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX   SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI  E  ITEM FROM MY REPORT, THAT NEVER  SHOUL DHAVE  BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE  WIOTH  THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.

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 2021-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent numberous request for my credit reports, from all three bureaus, XXXX EQUIFAX, AND XXXX, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.

Company response to consumer: Closed with explanation