BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans union had a computer breach in their system that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted, and my credit score increased.The very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XXXX but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file. I demand the following inquiries be removed immediately.1 ) XXXX ON XXXX, 2 ) XXXX ON XXXX, 3 ) XXXX ON XXXX, 4 ) XXXX ON XXXX, 5 ) XXXX ON XXXX, 6 ) XXXX ON XXXX, 7 ) XXXX ON XXXX, 8 ) XXXX ON XXXX, 9 ) XXXX ON XXXX, 10 ) XXXX ON XXXX, 11 ) XXXX ON XXXX, 12 ) XXXX ON XXXX ,13 ) XXXX ON XXXX, 14 ) XXXX ON XXXX, 15 ) XXXX ON XXXX, 16 ) XXXX ON XXXX, 17 ) XXXX ON XXXX, 18 ) XXXX ON XXXX, 19 ) XXXX ON XXXX, 20 ) XXXX ON XXXX, 21 ) XXXX ON XXXX, 22 ) XXXX ON XXXX, 23 ) XXXX ON XXXX, 24 ) XXXX ON XXXX, 25 ) XXXX ON XXXX, 26 ) XXXX ON XXXX, 27 ) XXXX ON XXXX, 28 ) XXXX ON XXXX, 29 ) XXXX ON XXXX, 30 ) XXXX ON XXXX, 31 ) XXXX ON XXXX THANKS, 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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).

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 2017-05-10
Company: Credit Plus Inc
State: MS
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 submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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:
Theres a total of 3 inquiries on my EQUIFAX credit report that I did not authorize. The first inquiry is from XXXX on XX/XX/XXXX, the second inquiry was on XXXX XXXX on XX/XX/XXXX, the third inquiry XXXX XXXX  on XX/XX/XXXX. I've contacted all 3 financial institutes with no resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
I received in the mail today, XX/XX/2021, a credit card from Citizens Bank which I never applied for. The account is in my name. I have not called the company to activate the card, since I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: DE
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:
Experian continues to report fraud accounts after my numerous disputes with them and the creditors and all experian says the information is correct and verfied to me because my name and addrs and personal information was used to obtain these fraud accounts for  XXXX  #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX   XXXX  #  XXXX  and   XXXX   XXXX   XXXX   XXXX   #  XXXX  experian has dont nothing to resolve the matter after years of disputes with them and their lack and neglect on preventing fraud resolution.

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 2017-05-10
Company: Experian Information Solutions 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:
I just got off the phone with a rep from Experian checking on the status of a dispute submitted back on  XXXX   XXXX  via mail certified return receipt request and she stated that my dispute was not received and the last dispute the see was from  XXXX   2017 . So now I am confused because someone at  XXXX  signed for my dispute so i am not sure if it was discarded. This is upsetting me because if someone mails in a dispute it needs to be acknowledged and worked on. I am attaching a copy of the dispute sent which was the second request. i will be sending  a 3rd requ est this week if there is no resolution.

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 2015-12-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I filed a CFPB. And I had a carloan account with XXXX XXXX XXXX XXXX that open in XX/XX/XXXX, however they reported that I was 30 days late on the last payment of the car. The 30 day late payment was removed when I filed a CFPB, however the 30 day late payment has been put back on my credit file.

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 2021-12-27
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in 2009 when economy tanked and consumer was laid off for 2 years. I have paid {$2100.00} and have the money order receipts for these payments XXXX XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and XXXX and XXXX wanted to go overall of that on the phone. Barclays charged this account off but is still reporting on my credit. I called Barclays and they can not give me any information because the account was sold. XXXX and XXXX say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. XXXX and XXXX filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in 3 years

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 2017-05-10
Company: CITIBANK, N.A.
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:
To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  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 2021-12-27
Company: EQUIFAX, INC.
State: PA
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 UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
This has been a headache since I obtained the card. Making a payment is a big inconvenience and has resulted in unnecessary fees. Now I am trying to reach someone at the company to discuss pay off options and I keep getting the run around. I have spoken with several representatives and NOONE has aided me on my nightmare. After 4 hours of begging for information on how to reach someone I was told they were closed and to call back. I just want to settle my debt and move on but the company 's customer service reps are making this impossible. Tgere is no corporate number or email either for contact.

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 2017-05-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana  XXXX   XXXX   XXXX . Phoenix said they were contracted by  XXXX   XXXX   XXXX   XXXX   XXXX . Phoenix assigned an Account #  XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size.     I am building a new home and working with my Mortgage Company,  XXXX . I had a low  credit score  from  XXXX  and when I asked  XXXX  what was being shown that I owed, they referenced  XXXX  Account numbers from  Phoenix Financial Services. Phoenix had  split the {$3500.00} and showed it as  XXXX  derogatory reports to  XXXX .  XXXX  for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into  XXXX  Accounts  XXXX  and  XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd  XXXX   XXXX   XXXX   XXXX   XXXX  have scammed other customers and ruined their credit to make them pay something they never owed in the first place.  One  customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from  XXXX   XXXX   XXXX   XXXX   XXXX , including my name, credit card number and social security number. I then checked my records for the  XXXX / XXXX / 2013  emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ".     This is what I believe has happened to me. I do not owe this money. I believe that  XXXX  is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge  XXXX  gave them and reported me to  XXXX  and I am not sure if they have to anyone else. They created  XXXX  Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge.     Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these  XXXX  charges would move my  Credit Score fr om  XXXX  to  XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is  XXXX   XXXX . My email is  XXXX  XXXX  XXXX  and my  Mobile  number is  (   XXXX  )  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Other

Complaint:
I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: VA
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   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt belongs to my daughter and she lives in Florida. I have told these people numerous times that she does n't live here and has n't for almost 9 years!

Company response to consumer: Closed with explanation