BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
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: Their investigation did not fix an error on your report

Complaint:
I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.

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 2017-08-16
Company: AFNI INC.
State: AL
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 reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CITI 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 explanation
Consumer complaint received 2017-08-16
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: Their investigation did not fix an error on your report

Complaint:
Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX # XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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: Their investigation did not fix an error on your report

Complaint:
I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am not liable for this vechical anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KS
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:
Equifax has leaked my information in nation-wide data leak. I believe they improperly delayed the disclosure of the event. They neglected to take the proper cybersecurity precautions. I believe that they are technologically incompetent for the following reasons : 1 ) Lack of third party security audits 2 ) Creating a whole new domain with a completely different certificate authority signing it just to relay important information. This has prompted many fraudlent other domains with the words " equifax '' " XXXX '' and " security '' to be created that will no doubt be used to further defraud its customer base. 3 ) Equifax lacks the modern infrastructure to manage such a large amount of important data.
Additionally I believe they completely mismanaged the situation. XX/XX/XXXX they were alerted to the breach. They did n't even get their new domain signed ( SSL cert ) until XX/XX/XXXX. Why did it take them over a month to begin notifying users? Why did n't they immediately email or mail their affected customers? Why does it become the consumer 's responsibility to go check if they leaked our information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have called Transunion to try and fix my inquiries. Transunion is showing inquiries that are not mine, XXXX and XXXX both show the correct information but Transunion is showing inquiries that I have never made or authorized, I have asked them to remove them but they refuse to do so and say they will look into it but nothing has happened. I have called them numerous times in the last few months but they refuse to help.

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 2022-07-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a alert through my credit monitoring of a new derogatory account. The account is with Convergent outsourcing for XXXX. I have never in my life had service with XXXX. I filed a Identity theft report with the FTC and on XX/XX/2022 I sent documentation to Convergent Outsourcing as well as XXXX and XXXX with certified mail. I have yet to receive any response from the collection company as well as from XXXX. XXXX has removed the fraudulent account, XXXX has not. This account 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 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed XXXX XXXX  inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX  INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.

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 2017-09-09
Company: Experian Information Solutions Inc.
State: SD
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:
On XXXX XXXX, 2017 I was alerted of the XXXX breach, when checking their website to see if I was affected. The website stated I was part of the breach. A report states my social security number, name, address, and potentially credit card number is now public.

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 2022-02-07
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2022 my spouse, XXXX XXXX, authorized Equifax XXXX XXXX XXXX  to pull a credit report on himself. My spouse did not provide them any information on me, ie : name, social security or DOB. On that same day I received notification that an inquiry was submitted on my credit report in my name. I did not authorize a credit report nor did anyone give them my information. The company was contacted and stated that since it is a mortgage in the State of California it was necessary. They were asked to delete the entry and refused. Again I did not give my permission to have my credit report accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: KY
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 was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX   XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX Credit Card XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX  XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX ( yes2times ) XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS 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