BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS 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 INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had my information stole in a security breach. 


XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}

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 explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus Transunion , XXXX , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.

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 2016-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The investigation told me about debt collector. The debt collector told me it came from a dr at a hospital during a XXXX last year. I called the dr. And the hospital they reffered me to. Neither the hospital nor the dr. Have any knowledge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}

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 explanation
Consumer complaint received 2022-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a result of Suntrust Bank 's transition to Truist, they have incorrectly applied my payments on my HELOC account and, as as result, have suspended my credit line AND reported my account as delinquent to the credit bureaus. MY XXXX score has gone from XXXX to XXXX based on their mistake. I have NEVER missed or made a late payment on this account, or any other for that 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 2017-03-13
Company: Cedars Business Services, LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/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 2021-10-01
Company: EQUIFAX, 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:
I am filing this complaint because I have sent everything needed to remove this fraudulent collection and unknown inquiries off my report to Equifax. I sent a letter on XXXX XXXX and they refuse to delete. I know my laws and know per 15 USC 1681c-2 stating any fraudulent information must be blocked within 4 business days and this still hasnt been done. I also followed up and called Equifax 30 days after and they claimed they never got my letter so I faxed it in again. They then sent letters claiming items was verified without any back up documentation. I called equifax about 60 days from XXXX and they still havent sent a letter letting me know how they verified this collection agency or inquiries and I have already notified the creditor of the inquiries and they said they cant delete anything because equifax houses the info. Also sent a letter to XXXX XXXX which is a unknown account showing on my credit report and they failed to respond. This is a obvious failure to comply. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. This is something I can and will take to court if I need to. I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

Account : XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you I am expecting a response asap because I already feel like Equifax is taking advantage of me and ignoring my requests. I dont have any accounts on my equifax credit report tied to these inquiries I need them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PAUL MICHAEL MARKETING posted some random collection on my credit report. I called and they seem to not have any information. We are in the process of selling our home and moving into a new one and I got a 60 point drop out of nowhere. I pay my bills and have perfect credit and these criminals will destroy your live with their manipulative schemes. I will sue for damages if this is not deleted immediately from my credit report. 

I do not have an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Coastline Financial Resources, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, 2011 and second I visited the county clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine but when I went to dispute it transunion said we will issue a dispute but it does n't matter it has to stay for 7 years ... now if the irs and the county clerk are willing to drop this idk why transunion has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required

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 2022-05-05
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 XXXX XXXX  FRAUD {$1900.00} TAKEN FROM BANK DEBIT CARD. 
XX/XX/2022 XXXX XXXX FRAUD {$500.00} TAKEN FROM BANK DEBIT CARD. 
BOTH ARE UNAURTHORIZED CHARGES. NO CONTACT WAS MADE WITH THE WITHDRAWER. 
DISPUTE WAS FILED ON XX/XX/2022 WITH BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
AMEX XXXX I have requested mediation per the cardholder agreement. Not mediation through one of their customer service reps or one of their lawyers who have no interest in their cardholders. A third neutral party. 

I had a simple request, don't charge me for my own XXXX assault, AMEX did anyway. These 'businesses '' are running XXXX trafficking, drugs, and fraudulent receipts like it's just easy money because it is. 

If it were not for law enforcement and the ability through the CFPB to put this into writing, consumers would have ZERO protection. 

This company charged me money for a XXXX XXXX on their card, and they're fine with that. No problem. 

I have said I am filing assault charges with the police. That isn't a threat, it's my legal right. It hasn't happened yet, only because I'm in XXXX and this happened two years ago in XXXX. And now because this company demanded six thousands dollars in payment for a XXXX, I have to but my own ticket back to Texas to start this misery all over again. 

Too many consumers are getting financially destroyed from activity in these places that is flat out AGAINST THE LAW. And they are sending XXXX trafficked victims outside these places to drug men, to fraud the cards, and then demand money by force if they don't hit their quota. 

We just wanted to move on with our lives and not be ripped off or have our lives destroyed. But this company has humiliated someone beyond what is acceptable even in a company existing for profit. They made my family pay for my own XXXX assult. 

That's the final straw. It's disgusting I should even have to assert this. I want a third party mediator before I get on a plane and go the cops. 

I want to talk to a third party. I want to resolve this before it goes to law enforcement, but I don't want to talk to anyone working directly for AMEX. It's a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Was told once paid off they will removed account in its entirety. Showing up on my report as closed with XXXX balance. But should be removed period

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.

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 2020-06-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its showing on loan amount {$3500.00} that I have two late payments ( XXXX and XX/XX/2016 ) I was enrolled and school and loans where in deferment. 

Another loan amount {$6000.00} that I have to late payments ( XXXX and XX/XX/2016 ) I was enrolled in school and loans where in deferment. 

All other loans are in good standing and was in the same date range but no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Vanguard Financial Services, Inc.
State: WV
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:
Vanguard Financial Services continues to attempt to collect a debt that was accrued in XX/XX/2013. I was a college student at the time and did not have medical coverage. I ended up in the emergency room with XXXX XXXX XXXX, and I was not able to pay the debt. It has since passed 7 years, and XXXX XXXX will not remove it because Vanguard keeps refreshing the date of submission to make the account look newer than it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted today XX/XX/XXXX about a payday loan taken out in my name on XX/XX/XXXX that I never signed for nor did I have any knowledge about. I have never done business with Check N Go, and have received notice that they intend to sue me for three times the amount of the debt they claim I owe them. It is my belief that someone used my information for the purpose of obtaining this loan for themselves as I have not even had a bank account for nearly 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted Equifax on XXXX occasions asking them to correct the information contained in my report. My XXXX XXXX account was discharged in Chapter XXXX Bankruptcy XXXX XXXX. On my first dispute # XXXX on XXXX/XXXX/XXXX, I submitted my complaint via certified mail and I included my bankruptcy case/file information. The response that I received back was that my account was " verified '' and nothing was changed on my report. I called on XXXX/XXXX/XXXX and spoke to " XXXX '' dispute # XXXX. Again I explained that the account was discharged in bankruptcy and provided the information again. She spent more time on the phone trying to get me to sign up for the Equifax.com for 17 dollars a month, than addressing my dispute.The response to the XXXX complaint was " updated to show Included in bankruptcy ''. My credit file still reflected reported dates nearly 4 years after the bankruptcy discharge. I called again XXXX/XXXX/XXXX and filed a XXXX dispute # XXXX. I explained again to " XXXX '' that this account was discharged in bankruptcy in XXXX XXXX, that no account history should be reflected after discharge, account should have been deleted from credit file in XXXX of XXXX, and that the re-aging of my account is incorrect and unfair. The response to my XXXX dispute was to change the account to " Discharged in Bankruptcy '' and the Date of XXXX Delinquency remains XXXX. I feel that all three of my disputes were not investigated fully and if it had been the information would have been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time

Company response to consumer: Closed with explanation