BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: DE
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:
XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX  with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got an email on XX/XX/2022 from Discover Bank saying that my account was locked ( no reason was given except " unusual activity '' ). I was asked to call a specific number so I called and I stayed on hold for 1.5 hours with one, then I tried 2 other times ( I called two other phone numbers ) and got connected with 2 account specialists ( one 's name was XXXX, the other was a man ). They said that they can't see what happened to my account and I would have to call the security specialists but the wait times for calls to those specialists are over 3 hours.

I have already spent hours on hold and do not have, and will never have, the time to stay on hold for another 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: GOLDMAN SACHS BANK USA
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:
GOLDMAN SACHS IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: LA
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:
Last XXXX I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 requested a credit report from TransUnion today. They sent me the report online and I copied it for my files. Nowhere could I find my credit score. The question on the next page of TransUnion said, " Would you like to know your score? '' and of course I said yes. Then is when the problem arose. I had to fill out an app to join their membership at $ XXXX. That sure isn't in tune with a free score I was told I'd receive. 

How do I get my score from TransUnion without paying?

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 2021-08-25
Company: LEXISNEXIS
State: DE
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:
XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2019-08-20
Company: CITIZENS FINANCIAL GROUP, 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:
On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
CitBank sent me a letter, dated XX/XX/2020, notifying me that I would be receiving a CitiPremier Mastercard ( with a revolving credit line of {$15000.00} ) within 7-10 days. 

Since I never applied for this card, I contacted CitBank on XX/XX/2020 ( date I received the letter from CitiBank ). 

The CitiBank representative I spoke with told me that the application had been submitted online and the she would cancel the card and close the account. She also advised me to report the identity theft, which I've done through idtheft.gov and XXXX  ( which should also report to XXXX  and XXXX   ). I also need to contact CitiBank 's Fraud line, but have not yet been able to contact an agent.

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 2022-07-12
Company: Experian Information Solutions 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 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-11-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this matter.

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 2016-07-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We accept debit/credit cards for goods and services. Normally, we process the transaction and settle the batch with Chase Paymentech. The funds are then deposited into our XXXX checking account by Chase Paymentech. 
We had our bank acct info stolen XX/XX/XXXX. I immediately closed the XXXX checking account and opened a new XXXX checking account. I changed bank acct info with Chase Paymentech, however it was not actually changed. They kept depositing into our old account. My bank, as a courtesy, transferred the funds into the correct acct for 60 days. All of this was behind the scenes and without my knowledge. Chase Paymentech never notified me that they were unable to change the account info. When the day came that the bank stopped transferring from the closed acct to the new account, I immediately contacted Chase. That was XX/XX/XXXX. Over {$1600.00} is at Chase. For two months, I tried to update the checking acct information, however because they could not accomodate the legal name of our company, I was unable to get this accomplished. I presented letters from my bank, charter, etc. Just a side note, they accepted it when I originally opened the account XX/XX/XXXX. With frustration, I requested that they send the funds by check on XX/XX/XXXX. Today is XX/XX/XXXX and have still not received the funds. I represent the XXXX XXXX XXXX, a non profit organization. I continue to get the runaround every week that I called. I have event been to the " Escalation Dept. ". DO NOT DO BUSINESS WITH THESE PEOPLE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
Company: Credit Resolutions, LLC
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: Old information reappears or never goes away

Complaint:
There's a report on my credit report that is inaccurate, outdated, fraudulent amount, and if it's mine it's over seven years. The  account was opened in XX/XX/2019 by Credit Resolution XXXX XXXX XXXX, XXXX, CT. Telephone number XXXX. The amount of {$3300.00} was placed on my report XX/XX/2019 without proper explanation. 
I have been in Georgia for five years, prior to that I was living in a home for four years. 
They gave no clear explanation. And if this is an old build sold to them, why is it still on my credit report, and opened XX/XX/2019. 
This is a malicious act, and I want it remove. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to Transunion, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

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 2016-11-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.

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 2016-03-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.

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 2016-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX Mortgage XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, Equifax, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: GA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation