BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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:
1 ) I recently challenged the validity of XXXX XXXX account thats being reported on my credit report. 
2 ) After challenging this collection with XXXX, Equifax, and XXXX, the account was subsequently deleted and removed from XXXX based on the lack of ability to verify the accuracy. 
3 ) I noticed as a result of challenging this account with XXXX and Equifax they verified this same account. 
4 ) It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA.

5 ) 3 days ago, Equifax replied to my initial CFPB complaint " the account is no longer on my credit '' which is FALSE. In fact, it's still reflected on my file as " Closed '' under " Installment Accounts '' ( See attachment ). DELETE and REMOVE this account from my credit report immediately to avoid forthcoming legal action. 
I've attached XXXX 's results for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following hard inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, the hard inquiry do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  I Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-11
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: Was not notified of investigation status or results

Complaint:
In accordance with fair reporting act conversion accounts : XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SEC 602 A - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC ( 2 ) CONSUMER REPORTING AGENCY CAN NOT REPORT AN ACCOUNTS WITHOUT MY WRITTEN INSTRUCTION A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's  name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!

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 monetary relief
Consumer complaint received 2017-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To the consumer protection bureau, I have repeatididuy asked this company, Portfolio Recovery Associates, to stop contacting me, calling me and harassing me over a debt that they assume I owe them. I do not owe this company anything as they claim I do from XXXX XXXX. I have never ever had a XXXX XXXX credit card. I do not know how or why there is a collection against me on my credit reports ( all three of them ) from this company claiming that the account is original debated to XXXX XXXX. I have told them repeatedly that this is not a valid debt for me and it should not at al be displayed on my credit report. This is a fraud against me and I have had a security freeze on my account for years as a result of their hounding me. Check my credit reports and my social I have never opened up or authorized anyone to open up a XXXX XXXX card using my social security number. Sio whatever they think I owe them is false information and fraudulent and they need to stop hounding me and threatening me. I am a XXXX, a mother and I do not even live in California anymore. regardless, they have no right to pursue me and tarnish my credit because of this inaccuracy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.

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 2021-07-23
Company: EQUIFAX, 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:
To Whom it may Concern I was looking through my credit report and seen a unauthorized account on my report I then call the company and reach out to XXXX, Equifax and XXXX. XXXX  and XXXX  has already removed this from Credit report. for some reason Equifax has not removed it yet nor has they respond to any of my dispute I feel like they are ignoring me I sent out a dispute letter on XX/XX/2021, XX/XX/2021 and a demand to comply on XX/XX/2021 and till this day I still have not got a response back from Equifax. I am looking to buy a house and this is slowing up my process I do not know what else to do I am hoping you guys can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
I tried to make a payment on my account via phone through a third party that the lease company told me to utilize. The company was not open and their automated system kept kicking me out. I then tried to make the payment on the internet with negative results. I tried to contact Infiniti to rectify the problem but there was no one at their office to receive my phone call. Their negligence caused my credit to have a 30 day marker which should be corrected.
I have phone records to show my attempts to pay prior to day 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hi, Thank you in advance for your help. I get my pay check first of the month, the due date on my credit card is the XXXX of the month. I have capital one XXXX XXXX. I wrote them a letter requesting that they change the due date from the XXXX of the month to the XXXX so I can make the payments, that way I wo n't charged late fee of XXXX  which I was charged last month. If you could please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Company has charged me excess activity fees. They refuse to properly mitigate my closed checking account.

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 monetary relief
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I have been victims of fraudulent activity because the Dept of Personnel Management under President Obama allowed our personal information to be stolen through their negligence. Since that time my wife has suffered additional fraud by someone changing her address at our bank and causing bank account information to be moved to XXXX, FL to a sham storefront business ( 3x )!  I recently received a notice from XXXX asking if I had closed an account ( I didn't ) : " Hey XXXX, It looks like your XXXX/XXXX  account on your Equifax credit report was recently listed as closed. '' I had to do a XXXX search to find out who that was and it was XXXX closing an account they had opened and tried to get me to use but I never did. But their closing of the account lowered my credit score EVEN THOUGH I NEVER USED IT and all my credit agency accounts have been locked! I don't know who reported this as a negative impact, but how can my credit score go down, if I never owed any money on that account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX Bank failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX Bank did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX Bank has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXX Bank. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

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 2021-07-23
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:
I purchase a used vehicle XX/XX/2016 I was finance threw XXXX  XXXX  this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company XXXX XXXXXXXX  after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the bbb and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

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 2020-04-23
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: Information belongs to someone else

Complaint:
They are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
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:
Transunion said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.

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 2017-10-18
Company: JPMORGAN CHASE & CO.
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: TX
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:
My credit card was charged to an ATM withdrawal that was not made by or authorized by me. I contacted Citi Cards within minutes of the fraud and the card was canceled and the fraudulent transaction was acknowledged. Citi Cards has since investigated the {$2700.00}. ATM withdrawal, and the {$130.00}. transaction fee, and the {$31.00}. interest fee for this XX/XX/2020 transaction supposedly in XXXX ( told to me by Citi ). Citi has since sent me a letter saying that I made the transaction ( traveled to XXXX from Texas ) and I was therefore libel for the money. I have repeatedly told Citi that I did not have any part or knowledge of this transaction and that the entire event was fraud. They Citi requested a letter from me to this effect and I complied. I have since contacted Citi Cards and they repeat that they have closed the investigation and will not reopen.

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 monetary relief