BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not responsible for this account, i never sign contracts with this company.

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 2016-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I purchased a one time credit report and FICO score from Equifax. The credit score analysis indicated that my most recent late payment was 2 months ago. However, my credit report does not show a late payment for at least a year. I contacted Equifax via email and received responses. The responses were general in nature that late payments have a negative affect ; however, it did not address the issue such that the credit score is indicating a late payment from 2 months ago while the credit report itself shows no late payments in at least a year. I further pursued clarification from the Equifax who indicated that I should call their customer service. I called the customer service number and spoke to an individual who provided the same generic information - that late payments can have a negative affect on my score. 

Both products were purchased from Equifax at the same time - I provided information that the score indicated a late payment two months ago and asked Equifax which account was reporting it. They were unable to tell me, and the credit report itself does not list any late payments for any accounts newer than 1 year old. 

Someone, somewhere is reporting a late payment on my credit report and it is n't showing at all - If, as a consumer, I am not able to see all information reported then the spirit of the FCRA is not being met. I ca n't dispute an item that does n't actually appear on my credit report ; if it does n't appear it should not factor into my credit score. 

I 've attached to this complaint the credit report showing no late payments in the last year, and the screenshot from the FICO score purchased from Equifax which indicates the last late payment was 2 months ago. 

Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a car loan From XXXX that i had no knowledge of and they told me to contact the creditor. I sent a letter to them with no response back. I contacted Equifax to let them know by mail what happened and they never responded to my dispute. Inquires that are unauthorized from XXXX XXXX XXXX was not my request and i disputed them and i got a blank letter with only my address and noting about my dispute on it after 45 days from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Company National Credits Systems has been trying to collect {$4000.00} from me. A debt they purchased from XXXX XXXX XXXX, which was a Civil judgement In the amount of {$970.00} that I actually owe due to unpaid rent. They havent given me any information on how they came to the amount when I have actual copies of the judgment against me. I just want the correct amount reported before I settle with any and all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been unable to access the portal to transfer money out of my account for 20+ days. I have emailed and called many times, and they just keep saying the fraud department is " looking into it ''. This is too long to have my money being held up. I have asked to speak with managers and supervisors, and nobody can do anything. They just transfer me around and blame it on other people within the company. They are threatening to charge me {$50.00} to close my account at this point when I don't even have access to my funds unless I close it. The only fraud that is going on is with BMO Harris Bank!

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I first opened my account I opted out of over draft. Where no matter if I had XXXX $ to my name and its XXXX itd decline it. Weather it was a swiped card, auto draft, or recurring payment. Then XXXX day they started allowing it. ( A XXXX  months later ) saying I never opted into it. Knowing I did, because the person in the bank explained it all to me. Then they are allowed to charge me as many XXXX $ fees as they want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
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 credit card that had the automatic payment taken for my timeshare payment was hacked so I had to cancel that credit card. When I called to advise XXXX that I had to cancel that credit card and give them a new one they said they had to mail me the authorization form. They told me that the only way to receive the form was through the mail due to they needed a live signature. I made the payment over the phone and they mailed me the form. I called several times for the form because I didn't receive it. They said that they had mailed it and would mail another one. I made the payment via the phone. I finally received the form in the mail, completed it and sent it in. I am now again on auto pay. Every time I spoke the customer rep they assured me that I was not in danger of having a negative rating on my credit report. I asked them over and over again and they said no because they had my payment that I called in. When I went to refinance my mortgage on my home I was shocked that I had a 30 day late on my XXXX timeshare which is considered a mortgage payment and is a huge deduction of points on my credit report. This has been detrimental to my credit rating for me and my XXXX kids. I pride myself on having great credit and this has again devastated my FICO score. I am having to beg with a lender to approve me for a loan to refinance my home. The pricing that I am being offered is extremely high and the rate is very high as well. I do not think it is just that I was reported to the 3 credit bureaus when I was in constant contact with XXXX to make sure they had my new credit card for automatic pay, I paid via the phone and I signed the new authorization form to continue automatic payment. Please, please help me. I am a responsible credit user and pay my bills on time. Thank you for your energy and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX, I was viewing my American Express ( Amex ) account online as I wanted to put some charges into my Pay Over Time ( POT ) account. However, I got a message that said " You don't have a Pay Over Time account ''. Strange because last month I did and was able to use it. I tried chatting with Amex but didn't get a good explanation and wanted further detail. So I called them and spoke to a very nice patient man. I subsequently found out in my conversation with him that Amex had raised my APR from 15.24 % to 24.27 % effective XX/XX/XXXX. I was very shocked and asked why they had done this. He said it was because I was late with 2 payments this year in XXXX and XXXX. I told him to please notice that my XXXX payment was only 3 days late and my XXXX payment was only 1 day late, due to the fact that I was having trouble getting my Social Security payment to coincide with the due date of my Amex card. He was able to change my rate back to 15.24 % effective XX/XX/XXXX which I very much appreciate. However, he could not change it retroactively for charges I put over to POT from XX/XX/XXXX to XXXX. I asked why was I never notified of this change in APR or that they had cancelled my POT. I would never have continued to put charges over to POT had I know my APR had increased that much. He said notification should be on my XX/XX/XXXX statement. I pulled the PDF statement up and told him that on page 1 it says my POT Limit is {$18000.00} and my Available Pay Over Time Limit is {$11000.00}, this to me sounds like I still have a POT account but he confirmed that they closed it to further use. He said to look further down in my statement and way down on page 11 of 12, sure enough they stated it would be increased to 27.24 % effective XX/XX/XXXX but still no notice that my ability to use POT was cancelled. I feel this is a very sneaky practice ; burying the notice on page 11 of my statement. I said a formal letter informing me of this important change to the APR and that my POT was cancelled would have been more appropriate. He agreed but nothing he could do about the high APR being charged from XX/XX/XXXX to XXXX. I really do like Amex as they have been good to me over the past 30+ years but the practice of raising interest rates without sufficient notice is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CORELOGIC INC
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax , after my spending two DAYS on the phone trying to get them to explain something on my credit report, finally let me speak to an AMERICAN who SOMEWHAT explained it, then she rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform. Please correct and update these Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : -.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2015-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.

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 2020-05-20
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CASHCALL IS ATTEMPTING TO COLLECT ON THE NOTE LOAN THAT DOES NOT BELONG TO ME. IN MY NUMEROUST ATTEMPTS TO REQUEST DEBT VALIDATION OF THIS LOAN FROM 2013, RECEIVED WAS PAYMENT LEDGER THAT SHOWS DATE LOAN ISSUED AND SOME CREDIT BUT NO PROOF OF PAYMENT, NO ID, NO SS # ON THE CONTRACT, AND CONTRACT IS NOT SIGNED, DOESN'T HAVE MY SS # OR DOB OR ADDRESS. 
1-CONTRACT IS MISSING SIGNATURE 2- CONTRACT IS MISSING ORIGINATION METHOD AND WHO IS THE PERSON ORIGINATING THIS LOAN 3- CALIFORNIA STATUTORY LIMIT FOR INTEREST RATE IS 10 %. THIS IS A LOAN ORIGINATED IN CA, AT 183.06 % ISN'T THIS USURY?. 
CASHCALL RECEIVED A RESPONCE FROM ME DISPUTING THIS DEBT AND INSTEAD OF INVESTIGATING THIS MATTER THEY SOLD THIS ERRONEOUS FRAUDULENT COLLECTION TO CCI ACQUISITIONS , LLC WHO IS NOW THREATENING TO SUE ME AND GARNISH MY WAGES ... IST N'T THERE A STATUTORY TIME ALLOWED FOR THEM TO TAKE LEGAL ACTION THAT IS IF THIS ACCOUNT WAS VALID AND ACCURATE? .... 
THIS IS FRAUD ON INSTITUITIONAL LEVEL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation